ABSTRAK
Pendapatan lainnya dari bank sebagai intermediaries dapat dikategorikan sebagaipendapat non-bunga (non interest income) atau dapat dikenal juga sebagai feebased income. Pendapat non-bunga atau fee based income cukup dikenal didunia perbankan disebabkan adanya pendapatan lain dari bank yang dapatmenambah keuntungan bagi bank. Namun dalam hal ini, bank dengan kategorikepemilikan bank pemerintah memiliki kecenderungan yang berbeda dalam halmeningkatkan pendapatan non-bunga terhadap bank yang memiliki kategorikepemilikannya BPD, swasta nasional, swasta campuran maupun asing. Pengaruhkategori kepemilikan suatu bank terhadap pendapatan non-bunga (non interestincome) atau fee based income serta risiko yang akan dihadapi kemudiandianalisis lebih lanjut menggunakan metode penelitian regresi denganmempergunakan data panel. Varibel yang dianalisis merupakan kategorikepemilikan bank, fee based income dan varibel-varibel penunjang lainnya.Berdasarkan uji yang telah dilaksanakan, maka hasil penelitian secara empirismenunjukkan bahwa terdapat pengaruh antara kategori kepemilikan bank terhadapdiversifikasi pendapatan yang diperoleh dari non bunga (fee based income).

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ABSTRACT
Other income from banks as intermediaries can be categorized as non-interestincome (non-interest income) or can be knfown as well as fee-based income.Opinions of non-interest or fee-based income is quite well known in the bankingindustries as other income of the bank - which can increase profits for the bank.But in this case, banks with government ownership category have differenttendencies in terms of increasing the non-interest income rather than the bankownership category by BPD, national private, national private mix, or foreignprivate. The effect of bank's ownership categories on non-interest income or wellknown as fee-based income and also the risks that may arised later, will beanalyzed further by using panel data regression research methods. The variableswill be analyze in this research are the category of bank ownership, fee-basedincome and other supporting variables. Based on tests that have been conducted,the results of empirical research shows that there are a significant influencedbetween the category of bank ownership category to income diversification orquite well known as non interest income (fee based income).