2021 BOB to NZD Historical Review

YEARLY HIGH

0.2158 NZD

YEARLY LOW

0.1946 NZD

YEARLY AVERAGE

0.2049 NZD

2021 BOB to NZD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the BOB to NZD exchange rate experienced significant fluctuation. The market reached its absolute peak on December 20, valuing the pair at 0.2158. Conversely, the yearly low was recorded on February 24, dropping to 0.1946.

This high-to-low spread represents a total annual volatility of 0.0211 NZD. From a start-to-finish perspective, comparing the January average rate of 0.2020 to the December average rate of 0.2136, the exchange rate registered a net change of 5.74% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 0.2158 was down 16.40% compared to the 2020 peak of 0.2581, 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 1,079 NZD

2020 Average 1,116 NZD

Yearly Trough Low 973 NZD

Transaction Impact: A difference of 105.72 NZD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

0.2150

0.1984

JanuMarcMayJulySeptNove

BOB to NZD 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 0.2021, compared to 0.2077 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0056 points.

H1 Avg (Jan–Jun) 0.2021

H2 Avg (Jul–Dec) 0.2077

Volatility Range Comparison

Volatility

The most volatile month in 2021 was November, with a trading range of 0.0110 NZD (High: 0.2128 / Low: 0.2018). On the other end, May was the most stable month, with a tight range of 0.0037 NZD (High: 0.2026 / Low: 0.1988).

November Spread (Volatile) ±0.0110

May Spread (Stable) ±0.0037

Growth Streaks & Declines

Trends

Between May and August, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 3 straight months. Conversely, the sharpest month-over-month decline occurred between April and May, when the average rate fell by 0.0028 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0028

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2021: 0.2136) against the same month in 2020 (average: 0.2044), the exchange rate shifted by +0.0092 (+4.49%).

2021 Avg (December) 0.2136

2020 Avg (December) 0.2044

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.2041	0.1993	0.2020
February	0.2025	0.1946	0.1998
March	0.2073	0.1985	0.2030
April	0.2064	0.1992	0.2034
May	0.2026	0.1988	0.2006
June	0.2088	0.1986	0.2037
July	0.2094	0.2054	0.2073
August	0.2123	0.2055	0.2077
September	0.2107	0.2026	0.2053
October	0.2097	0.2013	0.2053
November	0.2128	0.2018	0.2069
December	0.2158	0.2119	0.2136