2021 BOB to SGD Historical Review

YEARLY HIGH

0.1992 SGD

YEARLY LOW

0.1898 SGD

YEARLY AVERAGE

0.1946 SGD

2021 BOB to SGD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the BOB to SGD exchange rate experienced significant fluctuation. The market reached its absolute peak on December 4, valuing the pair at 0.1992. Conversely, the yearly low was recorded on June 7, dropping to 0.1898.

This high-to-low spread represents a total annual volatility of 0.0093 SGD. From a start-to-finish perspective, comparing the January average rate of 0.1925 to the December average rate of 0.1976, the exchange rate registered a net change of 2.67% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 0.1992 was down 6.62% compared to the 2020 peak of 0.2133, 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 996 SGD

2020 Average 999 SGD

Yearly Trough Low 949 SGD

Transaction Impact: A difference of 46.73 SGD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

0.1981

0.1917

JanuMarcMayJulySeptNove

BOB to SGD 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 0.1930, compared to 0.1963 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0033 points.

H1 Avg (Jan–Jun) 0.1930

H2 Avg (Jul–Dec) 0.1963

Volatility Range Comparison

Volatility

The most volatile month in 2021 was June, with a trading range of 0.0051 SGD (High: 0.1949 / Low: 0.1898). On the other end, February was the most stable month, with a tight range of 0.0024 SGD (High: 0.1934 / Low: 0.1910).

June Spread (Volatile) ±0.0051

February Spread (Stable) ±0.0024

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 March and April, when the average rate fell by 0.0010 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0010

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2021: 0.1976) against the same month in 2020 (average: 0.1932), the exchange rate shifted by +0.0044 (+2.26%).

2021 Avg (December) 0.1976

2020 Avg (December) 0.1932

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.1935	0.1909	0.1925
February	0.1934	0.1910	0.1922
March	0.1955	0.1925	0.1944
April	0.1952	0.1918	0.1934
May	0.1939	0.1913	0.1926
June	0.1949	0.1898	0.1928
July	0.1979	0.1948	0.1963
August	0.1976	0.1949	0.1963
September	0.1972	0.1939	0.1952
October	0.1971	0.1947	0.1957
November	0.1986	0.1951	0.1967
December	0.1992	0.1956	0.1976