Both these terms are used in bankaing parlance.

Spread means the diffence between the price and the cost.

And non-interest income means the income derived by a bank from sources other than the interest.

Here is an extract from an interview of a banker which tells about the terms spsread and non-interest income.

"The fall in spreads was due to the presence of high-cost deposits. We are trying to shed these deposits and expect to shed most such deposits by June. "

"Apart from commission and exchange, non-interest income includes income from trading in Government securities. While a good part of last year was not favourable for Government securities, it has been favourable this year. We will report a healthy non-interest income during the current fiscal year."