2025 BIF to CDF Historical Review

YEARLY HIGH

0.9929 CDF

YEARLY LOW

0.7200 CDF

YEARLY AVERAGE

0.9219 CDF

2025 BIF to CDF Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the BIF to CDF exchange rate experienced significant fluctuation. The market reached its absolute peak on May 2, valuing the pair at 0.9929. Conversely, the yearly low was recorded on November 15, dropping to 0.7200.

This high-to-low spread represents a total annual volatility of 0.2730 CDF. From a start-to-finish perspective, comparing the January average rate of 0.9672 to the December average rate of 0.7629, the exchange rate registered a net change of -21.12% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2025 high of 0.9929 was down 0.62% compared to the 2024 peak of 0.9991, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

Comparing the value generated converting 5,000 BIF based on timing:

Yearly Peak High 4,965 CDF

2024 Average 4,880 CDF

Yearly Trough Low 3,600 CDF

Transaction Impact: A difference of 1,364.92 CDF purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

1.0046

0.7290

JanuMarcMayJulySeptNove

BIF to CDF Seasonal Trends & Volatility Analysis

A structured review of seasonal halves, trading extremes, consecutive streaks, and historical baselines.

Seasonal Halves (H1 vs H2)

Seasonal

The average exchange rate in the first half of the year (H1: Jan–Jun) was 0.9741, compared to 0.8697 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.1043 points.

H1 Avg (Jan–Jun) 0.9741

H2 Avg (Jul–Dec) 0.8697

Volatility Range Comparison

Volatility

The most volatile month in 2025 was October, with a trading range of 0.1663 CDF (High: 0.8942 / Low: 0.7279). On the other end, June was the most stable month, with a tight range of 0.0095 CDF (High: 0.9811 / Low: 0.9716).

October Spread (Volatile) ±0.1663

June Spread (Stable) ±0.0095

Growth Streaks & Declines

Trends

Between January and May, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 4 straight months. Conversely, the sharpest month-over-month decline occurred between September and October, when the average rate fell by 0.1632 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.1632

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (May 2025: 0.9817) against the same month in 2024 (average: 0.9741), the exchange rate shifted by +0.0076 (+0.78%).

2025 Avg (May) 0.9817

2024 Avg (May) 0.9741

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.9757	0.9626	0.9672
February	0.9792	0.9652	0.9693
March	0.9871	0.9569	0.9706
April	0.9924	0.9714	0.9785
May	0.9929	0.9715	0.9817
June	0.9811	0.9716	0.9771
July	0.9863	0.9725	0.9783
August	0.9845	0.9660	0.9750
September	0.9750	0.8953	0.9567
October	0.8942	0.7279	0.7935
November	0.7811	0.7200	0.7520
December	0.7756	0.7317	0.7629