2020 PHP to GHS Historical Review

YEARLY HIGH

0.1239 GHS

YEARLY LOW

0.1044 GHS

YEARLY AVERAGE

0.1157 GHS

2020 PHP to GHS Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the PHP to GHS exchange rate experienced significant fluctuation. The market reached its absolute peak on December 7, valuing the pair at 0.1239. Conversely, the yearly low was recorded on February 24, dropping to 0.1044.

This high-to-low spread represents a total annual volatility of 0.0195 GHS. From a start-to-finish perspective, comparing the January average rate of 0.1112 to the December average rate of 0.1220, the exchange rate registered a net change of 9.76% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.1239 was down 55.05% compared to the 2019 peak of 0.2757, 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 30,983 GHS

2019 Average 26,031 GHS

Yearly Trough Low 26,105 GHS

Transaction Impact: A difference of 4,878.20 GHS purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.1237

0.1043

JanuMarcMayJulySeptNove

PHP to GHS 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 0.1118, compared to 0.1196 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0078 points.

H1 Avg (Jan–Jun) 0.1118

H2 Avg (Jul–Dec) 0.1196

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.0075 GHS (High: 0.1136 / Low: 0.1061). On the other end, September was the most stable month, with a tight range of 0.0012 GHS (High: 0.1199 / Low: 0.1187).

March Spread (Volatile) ±0.0075

September Spread (Stable) ±0.0012

Growth Streaks & Declines

Trends

Between February and December, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 10 straight months. Conversely, the sharpest month-over-month decline occurred between January and February, when the average rate fell by 0.0053 points.

Longest Streak 10 Mo.

Sharpest MoM Drop -0.0053

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2020: 0.1220) against the same month in 2019 (average: 0.1122), the exchange rate shifted by +0.0098 (+8.73%).

2020 Avg (December) 0.1220

2019 Avg (December) 0.1122

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.1128	0.1078	0.1112
February	0.1078	0.1044	0.1059
March	0.1136	0.1061	0.1096
April	0.1153	0.1118	0.1140
May	0.1162	0.1136	0.1143
June	0.1164	0.1141	0.1156
July	0.1178	0.1161	0.1169
August	0.1197	0.1172	0.1183
September	0.1199	0.1187	0.1193
October	0.1206	0.1192	0.1198
November	0.1218	0.1200	0.1209
December	0.1239	0.1214	0.1220