2026 BIF to NGN Historical Review

YEARLY HIGH

0.4886 NGN

YEARLY LOW

0.4510 NGN

YEARLY AVERAGE

0.4624 NGN

2026 BIF to NGN Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2026

During 2026, the BIF to NGN exchange rate experienced significant fluctuation. The market reached its absolute peak on January 1, valuing the pair at 0.4886. Conversely, the yearly low was recorded on April 16, dropping to 0.4510.

This high-to-low spread represents a total annual volatility of 0.0377 NGN. From a start-to-finish perspective, comparing the January average rate of 0.4798 to the December average rate of 0.4575, the exchange rate registered a net change of -4.65% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2026 high of 0.4886 was down 14.65% compared to the 2025 peak of 0.5726, 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 2,443 NGN

2025 Average 2,574 NGN

Yearly Trough Low 2,255 NGN

Transaction Impact: A difference of 188.44 NGN purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2026.

0.4820

0.4552

JanuMarcMayJuly

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 0.4635, compared to 0.4591 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0044 points.

H1 Avg (Jan–Jun) 0.4635

H2 Avg (Jul–Dec) 0.4591

Volatility Range Comparison

Volatility

The most volatile month in 2026 was March, with a trading range of 0.0313 NGN (High: 0.4878 / Low: 0.4565). On the other end, May was the most stable month, with a tight range of 0.0014 NGN (High: 0.4624 / Low: 0.4609).

March Spread (Volatile) ±0.0313

May Spread (Stable) ±0.0014

Growth Streaks & Declines

Trends

No sustained consecutive month-over-month growth streak of 2+ months occurred in 2026. Conversely, the sharpest month-over-month decline occurred between January and February, when the average rate fell by 0.0214 points.

Longest Streak 1 Mo.

Sharpest MoM Drop -0.0214

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2026: 0.4798) against the same month in 2025 (average: 0.5261), the exchange rate shifted by -0.0464 (-8.81%).

2026 Avg (January) 0.4798

2025 Avg (January) 0.5261

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.4886	0.4676	0.4798
February	0.4699	0.4521	0.4584
March	0.4878	0.4565	0.4652
April	0.4653	0.4510	0.4581
May	0.4624	0.4609	0.4615
June	0.4642	0.4539	0.4581
July	0.4641	0.4548	0.4608
August	0.4591	0.4548	0.4575