Watch full video on YouTube - https://youtu.be/f3VgVOgAUoE Credit management is the process of granting credit , setting the term its granted on, recovering this credit when its due and ensuring compliance with company credit policy. The difference in the rate of interest that a bank charges on the amount lent and the rate it pays to the depositors is technically called spread or interest rate spread. This spread bank has to use to meet all its overheads and interest on deposit but also provide for NPA. Thank You For Watching Subscribe to DevTech Finance