Abstract Bank companies in Indonesia have always experienced good development, even during the Covid-19 pandemic. This condition indicates that the bank company has good prospects in the future. The study was conducted to examine microeconomic variables (Market Concentration, Credit / Financing Market Concentration, Capital Adequacy Ratio, Liquidity Ratio, Bank Efficiency, Non-Performing Loans, and Leverage) and macroeconomics (Bank Indonesia Interest Rates, Inflation, and National Income) on fee-based income. This research uses a descriptive quantitative approach. The research sample during the financial crisis was 744 while the banking data before the crisis were 698 conventional National Commercial Banks in Indonesia, which were divided into the periodization of the financial crisis era in 2006-2011 and post-financial crisis in 2012-2017. Data analysis used panel data regression to determine the level of financial crisis in Indonesia. The results showed that the market concentration of third party funds, capital adequacy, bank liquidity, non-performing loans, and bank efficiency had a significant effect on fee based income. The concentration and leverage of the credit / financing market do not affect cost-based income. Bank Indonesia interest rates have a significant effect on fee-based income. Inflation and State Income as moderating variables affect the strengthening of the dependent and independent variables.