2020 BIF to HNL Historical Review

YEARLY HIGH

0.0134 HNL

YEARLY LOW

0.0124 HNL

YEARLY AVERAGE

0.0129 HNL

2020 BIF to HNL Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the BIF to HNL exchange rate experienced significant fluctuation. The market reached its absolute peak on January 14, valuing the pair at 0.0134. Conversely, the yearly low was recorded on December 27, dropping to 0.0124.

This high-to-low spread represents a total annual volatility of 0.0010 HNL. From a start-to-finish perspective, comparing the January average rate of 0.0132 to the December average rate of 0.0125, the exchange rate registered a net change of -5.10% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.0134 was down 1.57% compared to the 2019 peak of 0.0136, 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 67 HNL

2019 Average 67 HNL

Yearly Trough Low 62 HNL

Transaction Impact: A difference of 4.88 HNL purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.0132

0.0124

JanuMarcMayJulySeptNove

BIF to HNL 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 0.0131, compared to 0.0127 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0004 points.

H1 Avg (Jan–Jun) 0.0131

H2 Avg (Jul–Dec) 0.0127

Volatility Range Comparison

Volatility

The most volatile month in 2020 was January, with a trading range of 0.0004 HNL (High: 0.0134 / Low: 0.0130). On the other end, December was the most stable month, with a tight range of 0.0001 HNL (High: 0.0125 / Low: 0.0124).

January Spread (Volatile) ±0.0004

December Spread (Stable) ±0.0001

Growth Streaks & Declines

Trends

No sustained consecutive month-over-month growth streak of 2+ months occurred in 2020. Conversely, the sharpest month-over-month decline occurred between June and July, when the average rate fell by 0.0001 points.

Longest Streak 1 Mo.

Sharpest MoM Drop -0.0001

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2020: 0.0132) against the same month in 2019 (average: 0.0135), the exchange rate shifted by -0.0004 (-2.84%).

2020 Avg (January) 0.0132

2019 Avg (January) 0.0135

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0134	0.0130	0.0132
February	0.0132	0.0131	0.0131
March	0.0132	0.0131	0.0132
April	0.0133	0.0131	0.0131
May	0.0132	0.0131	0.0131
June	0.0131	0.0129	0.0131
July	0.0131	0.0128	0.0129
August	0.0129	0.0128	0.0128
September	0.0129	0.0127	0.0128
October	0.0128	0.0127	0.0127
November	0.0127	0.0125	0.0126
December	0.0125	0.0124	0.0125