<?php 
    if ( is_home() || is_front_page() ) { ?>
<?php } else { ?>
    <div class="inner-banner" style="background:url(
    <?php
    if (has_post_thumbnail()) { ?>
        <?php echo get_the_post_thumbnail_url($post->ID, 'full') ?>
    <?php } else { ?>
        <?php bloginfo('stylesheet_directory'); ?>/images/default.jpg<?php } ?>) no-repeat center center / cover;">
        <h2><?php the_title(); ?></h2>
    </div>

<?php }?>