2021 BOB to GHS Historical Review

YEARLY HIGH

0.8956 GHS

YEARLY LOW

0.8284 GHS

YEARLY AVERAGE

0.8580 GHS

2021 BOB to GHS Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the BOB to GHS exchange rate experienced significant fluctuation. The market reached its absolute peak on December 9, valuing the pair at 0.8956. Conversely, the yearly low was recorded on March 27, dropping to 0.8284.

This high-to-low spread represents a total annual volatility of 0.0672 GHS. From a start-to-finish perspective, comparing the January average rate of 0.8495 to the December average rate of 0.8903, the exchange rate registered a net change of 4.80% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 0.8956 was up 3.13% compared to the 2020 peak of 0.8684, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 4,478 GHS

2020 Average 4,154 GHS

Yearly Trough Low 4,142 GHS

Transaction Impact: A difference of 335.93 GHS purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

0.8961

0.8256

JanuMarcMayJulySeptNove

BOB 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 0.8389, compared to 0.8771 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0382 points.

H1 Avg (Jan–Jun) 0.8389

H2 Avg (Jul–Dec) 0.8771

Volatility Range Comparison

Volatility

The most volatile month in 2021 was July, with a trading range of 0.0194 GHS (High: 0.8663 / Low: 0.8469). On the other end, May was the most stable month, with a tight range of 0.0050 GHS (High: 0.8393 / Low: 0.8344).

July Spread (Volatile) ±0.0194

May Spread (Stable) ±0.0050

Growth Streaks & Declines

Trends

Between May and December, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 7 straight months. Conversely, the sharpest month-over-month decline occurred between January and February, when the average rate fell by 0.0107 points.

Longest Streak 7 Mo.

Sharpest MoM Drop -0.0107

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2021: 0.8903) against the same month in 2020 (average: 0.8512), the exchange rate shifted by +0.0390 (+4.59%).

2021 Avg (December) 0.8903

2020 Avg (December) 0.8512

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.8537	0.8447	0.8495
February	0.8457	0.8332	0.8388
March	0.8368	0.8284	0.8315
April	0.8387	0.8333	0.8367
May	0.8393	0.8344	0.8366
June	0.8466	0.8313	0.8401
July	0.8663	0.8469	0.8597
August	0.8772	0.8617	0.8720
September	0.8789	0.8631	0.8740
October	0.8853	0.8747	0.8793
November	0.8910	0.8811	0.8874
December	0.8956	0.8829	0.8903