2020 PHP to BIF Historical Review

YEARLY HIGH

40.5114 BIF

YEARLY LOW

36.4862 BIF

YEARLY AVERAGE

38.6156 BIF

2020 PHP to BIF Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the PHP to BIF exchange rate experienced significant fluctuation. The market reached its absolute peak on December 2, valuing the pair at 40.5114. Conversely, the yearly low was recorded on March 17, dropping to 36.4862.

This high-to-low spread represents a total annual volatility of 4.0252 BIF. From a start-to-finish perspective, comparing the January average rate of 37.0769 to the December average rate of 40.3992, the exchange rate registered a net change of 8.96% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 40.5114 was up 8.95% compared to the 2019 peak of 37.1818, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

Comparing the value generated converting 250,000 PHP based on timing:

Yearly Peak High 10,127,841 BIF

2019 Average 8,897,139 BIF

Yearly Trough Low 9,121,549 BIF

Transaction Impact: A difference of 1,006,292.20 BIF purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

40.7314

36.7446

JanuMarcMayJulySeptNove

PHP 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 37.4336, compared to 39.7977 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 2.3642 points.

H1 Avg (Jan–Jun) 37.4336

H2 Avg (Jul–Dec) 39.7977

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 1.2403 BIF (High: 37.7265 / Low: 36.4862). On the other end, September was the most stable month, with a tight range of 0.2335 BIF (High: 39.9207 / Low: 39.6871).

March Spread (Volatile) ±1.2403

September Spread (Stable) ±0.2335

Growth Streaks & Declines

Trends

Between March and December, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 9 straight months. Conversely, the sharpest month-over-month decline occurred between February and March, when the average rate fell by 0.0114 points.

Longest Streak 9 Mo.

Sharpest MoM Drop -0.0114

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2020: 40.3992) against the same month in 2019 (average: 36.9806), the exchange rate shifted by +3.4186 (+9.24%).

2020 Avg (December) 40.3992

2019 Avg (December) 36.9806

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	37.3764	36.8218	37.0769
February	37.3946	36.8953	37.1625
March	37.7265	36.4862	37.1511
April	37.8584	37.0847	37.4299
May	38.1687	37.3016	37.6738
June	38.5403	37.7100	38.1072
July	39.2996	38.5407	38.9458
August	39.9413	39.1931	39.5423
September	39.9207	39.6871	39.8106
October	40.0547	39.7172	39.8928
November	40.3676	39.8309	40.1956
December	40.5114	40.2315	40.3992