2021 GHS to SCR Historical Review

YEARLY HIGH

3.7352 SCR

YEARLY LOW

2.0679 SCR

YEARLY AVERAGE

2.7398 SCR

2021 GHS to SCR Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the GHS to SCR exchange rate experienced significant fluctuation. The market reached its absolute peak on March 17, valuing the pair at 3.7352. Conversely, the yearly low was recorded on December 8, dropping to 2.0679.

This high-to-low spread represents a total annual volatility of 1.6673 SCR. From a start-to-finish perspective, comparing the January average rate of 3.6270 to the December average rate of 2.1930, the exchange rate registered a net change of -39.54% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2021 high of 3.7352 was up 2.71% compared to the 2020 peak of 3.6366, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 18,676 SCR

2020 Average 14,935 SCR

Yearly Trough Low 10,339 SCR

Transaction Impact: A difference of 8,336.61 SCR purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

3.8365

2.0253

JanuMarcMayJulySeptNove

GHS to SCR 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 3.2082, compared to 2.2714 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.9368 points.

H1 Avg (Jan–Jun) 3.2082

H2 Avg (Jul–Dec) 2.2714

Volatility Range Comparison

Volatility

The most volatile month in 2021 was April, with a trading range of 1.2018 SCR (High: 3.6080 / Low: 2.4062). On the other end, January was the most stable month, with a tight range of 0.1022 SCR (High: 3.6968 / Low: 3.5946).

April Spread (Volatile) ±1.2018

January Spread (Stable) ±0.1022

Growth Streaks & Declines

Trends

Between January and March, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 2 straight months. Conversely, the sharpest month-over-month decline occurred between March and April, when the average rate fell by 0.8154 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.8154

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (March 2021: 3.6855) against the same month in 2020 (average: 2.4493), the exchange rate shifted by +1.2362 (+50.47%).

2021 Avg (March) 3.6855

2020 Avg (March) 2.4493

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	3.6968	3.5946	3.6270
February	3.7170	3.6050	3.6535
March	3.7352	3.5427	3.6855
April	3.6080	2.4062	2.8702
May	2.8588	2.5483	2.7311
June	2.8503	2.5243	2.6820
July	2.7623	2.2682	2.4932
August	2.5501	2.1191	2.2826
September	2.3287	2.1189	2.1762
October	2.4503	2.0962	2.2769
November	2.4370	2.0798	2.2063
December	2.4341	2.0679	2.1930