2020 GHS to BIF Historical Review

YEARLY HIGH

355.4511 BIF

YEARLY LOW

325.0565 BIF

YEARLY AVERAGE

334.0275 BIF

2020 GHS to BIF Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the GHS to BIF exchange rate experienced significant fluctuation. The market reached its absolute peak on February 21, valuing the pair at 355.4511. Conversely, the yearly low was recorded on December 7, dropping to 325.0565.

This high-to-low spread represents a total annual volatility of 30.3947 BIF. From a start-to-finish perspective, comparing the January average rate of 333.4814 to the December average rate of 331.0217, the exchange rate registered a net change of -0.74% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 355.4511 was down 5.47% compared to the 2019 peak of 376.0076, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

Comparing the value generated converting 5,000 GHS based on timing:

Yearly Peak High 1,777,256 BIF

2019 Average 1,716,260 BIF

Yearly Trough Low 1,625,282 BIF

Transaction Impact: A difference of 151,973.33 BIF purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

353.3048

326.0288

JanuMarcMayJulySeptNove

GHS to BIF 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 335.1781, compared to 332.8769 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 2.3012 points.

H1 Avg (Jan–Jun) 335.1781

H2 Avg (Jul–Dec) 332.8769

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 22.5193 BIF (High: 350.1527 / Low: 327.6334). On the other end, October was the most stable month, with a tight range of 1.8387 BIF (High: 333.8678 / Low: 332.0291).

March Spread (Volatile) ±22.5193

October Spread (Stable) ±1.8387

Growth Streaks & Declines

Trends

Between April and August, 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 February and March, when the average rate fell by 12.0051 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -12.0051

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (February 2020: 351.0318) against the same month in 2019 (average: 344.9888), the exchange rate shifted by +6.0430 (+1.75%).

2020 Avg (February) 351.0318

2019 Avg (February) 344.9888

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	343.8182	329.4117	333.4814
February	355.4511	343.3002	351.0318
March	350.1527	327.6334	339.0267
April	332.0702	325.5083	328.3018
May	331.6060	327.0776	329.5734
June	331.6960	327.2243	329.6533
July	334.9464	328.4609	333.1064
August	334.9774	332.5455	334.1296
September	334.8983	332.6481	333.7894
October	333.8678	332.0291	332.8580
November	333.0472	330.9261	332.3562
December	333.3904	325.0565	331.0217