2020 BIF to GHS Historical Review

YEARLY HIGH

0.0031 GHS

YEARLY LOW

0.0028 GHS

YEARLY AVERAGE

0.0030 GHS

2020 BIF to GHS Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the BIF to GHS exchange rate experienced significant fluctuation. The market reached its absolute peak on December 7, valuing the pair at 0.0031. Conversely, the yearly low was recorded on February 22, dropping to 0.0028.

This high-to-low spread represents a total annual volatility of 0.0003 GHS. From a start-to-finish perspective, comparing the January average rate of 0.0030 to the December average rate of 0.0030, the exchange rate registered a net change of 0.73% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.0031 was down 61.08% compared to the 2019 peak of 0.0079, 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 15 GHS

2019 Average 15 GHS

Yearly Trough Low 14 GHS

Transaction Impact: A difference of 1.32 GHS purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.0031

0.0028

JanuMarcMayJulySeptNove

BIF to GHS 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 0.0030, compared to 0.0030 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0000 points.

H1 Avg (Jan–Jun) 0.0030

H2 Avg (Jul–Dec) 0.0030

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.0002 GHS (High: 0.0031 / Low: 0.0029). On the other end, October was the most stable month, with a tight range of 0.0000 GHS (High: 0.0030 / Low: 0.0030).

March Spread (Volatile) ±0.0002

October Spread (Stable) ±0.0000

Growth Streaks & Declines

Trends

Between August and December, 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 January and February, when the average rate fell by 0.0002 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.0002

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2020: 0.0030) against the same month in 2019 (average: 0.0030), the exchange rate shifted by -0.0000 (-0.47%).

2020 Avg (December) 0.0030

2019 Avg (December) 0.0030

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0030	0.0029	0.0030
February	0.0029	0.0028	0.0028
March	0.0031	0.0029	0.0030
April	0.0031	0.0030	0.0030
May	0.0031	0.0030	0.0030
June	0.0031	0.0030	0.0030
July	0.0030	0.0030	0.0030
August	0.0030	0.0030	0.0030
September	0.0030	0.0030	0.0030
October	0.0030	0.0030	0.0030
November	0.0030	0.0030	0.0030
December	0.0031	0.0030	0.0030