2020 BIF to STD Historical Review

YEARLY HIGH

11.8101 STD

YEARLY LOW

10.4996 STD

YEARLY AVERAGE

11.2453 STD

2020 BIF to STD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the BIF to STD exchange rate experienced significant fluctuation. The market reached its absolute peak on March 29, valuing the pair at 11.8101. Conversely, the yearly low was recorded on December 30, dropping to 10.4996.

This high-to-low spread represents a total annual volatility of 1.3105 STD. From a start-to-finish perspective, comparing the January average rate of 11.4398 to the December average rate of 10.6431, the exchange rate registered a net change of -6.96% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 11.8101 was down 0.67% compared to the 2019 peak of 11.8894, 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 59,051 STD

2019 Average 57,858 STD

Yearly Trough Low 52,498 STD

Transaction Impact: A difference of 6,552.74 STD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

11.7898

10.5388

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 11.5857, compared to 10.9048 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.6809 points.

H1 Avg (Jan–Jun) 11.5857

H2 Avg (Jul–Dec) 10.9048

Volatility Range Comparison

Volatility

The most volatile month in 2020 was July, with a trading range of 0.3967 STD (High: 11.4892 / Low: 11.0925). On the other end, January was the most stable month, with a tight range of 0.0737 STD (High: 11.4755 / Low: 11.4018).

July Spread (Volatile) ±0.3967

January Spread (Stable) ±0.0737

Growth Streaks & Declines

Trends

Between January and March, 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 July and August, when the average rate fell by 0.3802 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.3802

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (March 2020: 11.6856) against the same month in 2019 (average: 11.5656), the exchange rate shifted by +0.1199 (+1.04%).

2020 Avg (March) 11.6856

2019 Avg (March) 11.5656

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	11.4755	11.4018	11.4398
February	11.6870	11.4018	11.6203
March	11.8101	11.6149	11.6856
April	11.7347	11.5570	11.6312
May	11.6693	11.5386	11.5849
June	11.6060	11.4567	11.5523
July	11.4892	11.0925	11.3278
August	11.0945	10.8659	10.9476
September	10.9097	10.7843	10.8541
October	10.8925	10.7831	10.8499
November	10.8757	10.7620	10.8063
December	10.7712	10.4996	10.6431