2015 BIF to PHP Historical Review

YEARLY HIGH

0.0309 PHP

YEARLY LOW

0.0276 PHP

YEARLY AVERAGE

0.0291 PHP

2015 BIF to PHP Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2015

During 2015, the BIF to PHP exchange rate experienced significant fluctuation. The market reached its absolute peak on December 14, valuing the pair at 0.0309. Conversely, the yearly low was recorded on July 14, dropping to 0.0276.

This high-to-low spread represents a total annual volatility of 0.0033 PHP. From a start-to-finish perspective, comparing the January average rate of 0.0284 to the December average rate of 0.0304, the exchange rate registered a net change of 6.71% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2015 high of 0.0309 was up 5.45% compared to the 2014 peak of 0.0293, 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 154 PHP

2014 Average 143 PHP

Yearly Trough Low 138 PHP

Transaction Impact: A difference of 16.39 PHP purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2015.

0.0306

0.0279

JanuMarcMayJulySeptNove

BIF to PHP 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 0.0284, compared to 0.0297 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0013 points.

H1 Avg (Jan–Jun) 0.0284

H2 Avg (Jul–Dec) 0.0297

Volatility Range Comparison

Volatility

The most volatile month in 2015 was July, with a trading range of 0.0018 PHP (High: 0.0294 / Low: 0.0276). On the other end, February was the most stable month, with a tight range of 0.0003 PHP (High: 0.0284 / Low: 0.0280).

July Spread (Volatile) ±0.0018

February Spread (Stable) ±0.0003

Growth Streaks & Declines

Trends

Between April and June, 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 June and July, when the average rate fell by 0.0006 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0006

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2015: 0.0304) against the same month in 2014 (average: 0.0285), the exchange rate shifted by +0.0018 (+6.34%).

2015 Avg (December) 0.0304

2014 Avg (December) 0.0285

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0288	0.0281	0.0284
February	0.0284	0.0280	0.0282
March	0.0287	0.0281	0.0284
April	0.0287	0.0281	0.0283
May	0.0287	0.0282	0.0284
June	0.0291	0.0284	0.0288
July	0.0294	0.0276	0.0281
August	0.0302	0.0292	0.0297
September	0.0304	0.0296	0.0300
October	0.0302	0.0294	0.0297
November	0.0305	0.0299	0.0302
December	0.0309	0.0300	0.0304