... the lending and funding interest rates, stood at 22.4% p.a. Graph 5 illustrates the evolution of theaverage bank spread since January 2001 (including fixed, floating and FX-linked interest rate ... fixed interest rates. There are also several types of corporate credits withfixed interest rates, including hot money, working capital, discounts of trade bills, credit for the purchase of goods, ... purchase of goods and working capital are also negociated atfloating rates, which are linked to benchmark interest rates such as theSelic overnight rate 1 or the One-day Interbank Deposit rate...