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This study aims to analyze the effect of non-interest bank activities on credit risk and loan spreads. Credit risk is measured using the two indicators, which are loan loss provisions and non-performing loans. Using the conventional banks in ASEAN-5 that are Indonesia, Malaysia, Singapore, Thailand and Philippines, the results shows that, overall, non-interest income has an adverse effect towards credit risk and loan spread. We also divide 49 banks- sample into two parts, which are large and small banks. In the large banks, it is found that most of non-interest income activities can lower loan loss provision, non-performing loan, and loan spread. Yet, the results are opposite with the small banks sample. Higher involvement in non-interest income activities can result in greater credit risk and loan spread.