2025 BIF to NGN Historical Review

YEARLY HIGH

0.5726 NGN

YEARLY LOW

0.4874 NGN

YEARLY AVERAGE

0.5149 NGN

2025 BIF to NGN Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the BIF to NGN exchange rate experienced significant fluctuation. The market reached its absolute peak on February 3, valuing the pair at 0.5726. Conversely, the yearly low was recorded on November 6, dropping to 0.4874.

This high-to-low spread represents a total annual volatility of 0.0851 NGN. From a start-to-finish perspective, comparing the January average rate of 0.5261 to the December average rate of 0.4909, the exchange rate registered a net change of -6.69% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2025 high of 0.5726 was down 2.31% compared to the 2024 peak of 0.5861, 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 2,863 NGN

2024 Average 2,546 NGN

Yearly Trough Low 2,437 NGN

Transaction Impact: A difference of 425.69 NGN purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

0.5465

0.4846

JanuMarcMayJulySeptNove

BIF to NGN 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 0.5269, compared to 0.5028 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0241 points.

H1 Avg (Jan–Jun) 0.5269

H2 Avg (Jul–Dec) 0.5028

Volatility Range Comparison

Volatility

The most volatile month in 2025 was February, with a trading range of 0.0686 NGN (High: 0.5726 / Low: 0.5040). On the other end, December was the most stable month, with a tight range of 0.0060 NGN (High: 0.4946 / Low: 0.4885).

February Spread (Volatile) ±0.0686

December Spread (Stable) ±0.0060

Growth Streaks & Declines

Trends

Between March and May, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 2 straight months. Conversely, the sharpest month-over-month decline occurred between May and June, when the average rate fell by 0.0168 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0168

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (February 2025: 0.5181) against the same month in 2024 (average: 0.4810), the exchange rate shifted by +0.0371 (+7.71%).

2025 Avg (February) 0.5181

2024 Avg (February) 0.4810

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.5322	0.5222	0.5261
February	0.5726	0.5040	0.5181
March	0.5297	0.5066	0.5171
April	0.5492	0.5073	0.5342
May	0.5490	0.5319	0.5413
June	0.5332	0.5189	0.5245
July	0.5232	0.5120	0.5166
August	0.5226	0.5133	0.5163
September	0.5189	0.5006	0.5068
October	0.5059	0.4893	0.4964
November	0.4936	0.4874	0.4898
December	0.4946	0.4885	0.4909