2015 BIF to STD Historical Review

YEARLY HIGH

14.9248 STD

YEARLY LOW

12.9751 STD

YEARLY AVERAGE

14.0950 STD

2015 BIF to STD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2015

During 2015, the BIF to STD exchange rate experienced significant fluctuation. The market reached its absolute peak on November 29, valuing the pair at 14.9248. Conversely, the yearly low was recorded on January 3, dropping to 12.9751.

This high-to-low spread represents a total annual volatility of 1.9497 STD. From a start-to-finish perspective, comparing the January average rate of 13.4266 to the December average rate of 14.4537, the exchange rate registered a net change of 7.65% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2015 high of 14.9248 was up 15.30% compared to the 2014 peak of 12.9442, 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 74,624 STD

2014 Average 59,500 STD

Yearly Trough Low 64,876 STD

Transaction Impact: A difference of 9,748.32 STD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2015.

14.7861

13.3030

JanuMarcMayJulySeptNove

BIF to STD 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 14.0079, compared to 14.1822 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.1743 points.

H1 Avg (Jan–Jun) 14.0079

H2 Avg (Jul–Dec) 14.1822

Volatility Range Comparison

Volatility

The most volatile month in 2015 was January, with a trading range of 0.9456 STD (High: 13.9207 / Low: 12.9751). On the other end, September was the most stable month, with a tight range of 0.3218 STD (High: 14.1630 / Low: 13.8412).

January Spread (Volatile) ±0.9456

September Spread (Stable) ±0.3218

Growth Streaks & Declines

Trends

Between January and April, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 3 straight months. Conversely, the sharpest month-over-month decline occurred between April and May, when the average rate fell by 0.4966 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.4966

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (November 2015: 14.6625) against the same month in 2014 (average: 12.5829), the exchange rate shifted by +2.0796 (+16.53%).

2015 Avg (November) 14.6625

2014 Avg (November) 12.5829

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	13.9207	12.9751	13.4266
February	13.9527	13.6272	13.7696
March	14.7893	13.9292	14.4196
April	14.8955	14.0125	14.4859
May	14.3818	13.6288	13.9892
June	14.2590	13.5924	13.9565
July	14.2493	13.4969	13.8182
August	14.4505	13.7204	14.1511
September	14.1630	13.8412	14.0119
October	14.2552	13.7193	13.9956
November	14.9248	14.2715	14.6625
December	14.8743	14.3089	14.4537