2015 BIF to VND Historical Review

YEARLY HIGH

14.6599 VND

YEARLY LOW

13.3144 VND

YEARLY AVERAGE

13.9935 VND

2015 BIF to VND Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2015

During 2015, the BIF to VND exchange rate experienced significant fluctuation. The market reached its absolute peak on December 14, valuing the pair at 14.6599. Conversely, the yearly low was recorded on July 20, dropping to 13.3144.

This high-to-low spread represents a total annual volatility of 1.3455 VND. From a start-to-finish perspective, comparing the January average rate of 13.6337 to the December average rate of 14.4582, the exchange rate registered a net change of 6.05% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2015 high of 14.6599 was up 5.72% compared to the 2014 peak of 13.8671, 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 73,299 VND

2014 Average 68,254 VND

Yearly Trough Low 66,572 VND

Transaction Impact: A difference of 6,727.28 VND purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2015.

14.5488

13.4611

JanuMarcMayJulySeptNove

BIF to VND 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 13.7460, compared to 14.2410 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.4950 points.

H1 Avg (Jan–Jun) 13.7460

H2 Avg (Jul–Dec) 14.2410

Volatility Range Comparison

Volatility

The most volatile month in 2015 was July, with a trading range of 0.7271 VND (High: 14.0415 / Low: 13.3144). On the other end, February was the most stable month, with a tight range of 0.1394 VND (High: 13.6725 / Low: 13.5331).

July Spread (Volatile) ±0.7271

February Spread (Stable) ±0.1394

Growth Streaks & Declines

Trends

Between February and June, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 4 straight months. Conversely, the sharpest month-over-month decline occurred between June and July, when the average rate fell by 0.3806 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.3806

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2015: 14.4582) against the same month in 2014 (average: 13.6587), the exchange rate shifted by +0.7995 (+5.85%).

2015 Avg (December) 14.4582

2014 Avg (December) 13.6587

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	13.7239	13.5538	13.6337
February	13.6725	13.5331	13.6011
March	13.8229	13.5580	13.6599
April	13.9120	13.7023	13.7910
May	14.0031	13.7350	13.8580
June	14.0272	13.7378	13.9323
July	14.0415	13.3144	13.5517
August	14.5326	13.9594	14.2449
September	14.6146	14.2796	14.4486
October	14.5386	14.2204	14.3420
November	14.5346	14.2374	14.4006
December	14.6599	14.3357	14.4582