2015 BIF to HTG Historical Review

YEARLY HIGH

0.0368 HTG

YEARLY LOW

0.0295 HTG

YEARLY AVERAGE

0.0324 HTG

2015 BIF to HTG Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2015

During 2015, the BIF to HTG exchange rate experienced significant fluctuation. The market reached its absolute peak on December 28, valuing the pair at 0.0368. Conversely, the yearly low was recorded on March 18, dropping to 0.0295.

This high-to-low spread represents a total annual volatility of 0.0073 HTG. From a start-to-finish perspective, comparing the January average rate of 0.0297 to the December average rate of 0.0363, the exchange rate registered a net change of 22.18% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2015 high of 0.0368 was up 22.98% compared to the 2014 peak of 0.0300, 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 184 HTG

2014 Average 144 HTG

Yearly Trough Low 148 HTG

Transaction Impact: A difference of 36.58 HTG purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2015.

0.0370

0.0291

JanuMarcMayJulySeptNove

BIF to HTG 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 0.0301, compared to 0.0347 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0046 points.

H1 Avg (Jan–Jun) 0.0301

H2 Avg (Jul–Dec) 0.0347

Volatility Range Comparison

Volatility

The most volatile month in 2015 was July, with a trading range of 0.0039 HTG (High: 0.0364 / Low: 0.0325). On the other end, February was the most stable month, with a tight range of 0.0004 HTG (High: 0.0300 / Low: 0.0296).

July Spread (Volatile) ±0.0039

February Spread (Stable) ±0.0004

Growth Streaks & Declines

Trends

Between January and August, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 7 straight months. Conversely, the sharpest month-over-month decline occurred between August and September, when the average rate fell by 0.0004 points.

Longest Streak 7 Mo.

Sharpest MoM Drop -0.0004

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2015: 0.0363) against the same month in 2014 (average: 0.0297), the exchange rate shifted by +0.0066 (+22.12%).

2015 Avg (December) 0.0363

2014 Avg (December) 0.0297

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0300	0.0295	0.0297
February	0.0300	0.0296	0.0297
March	0.0304	0.0295	0.0299
April	0.0306	0.0301	0.0303
May	0.0308	0.0303	0.0304
June	0.0312	0.0301	0.0307
July	0.0364	0.0325	0.0341
August	0.0365	0.0335	0.0344
September	0.0344	0.0335	0.0340
October	0.0347	0.0339	0.0343
November	0.0359	0.0344	0.0351
December	0.0368	0.0355	0.0363