2014 HNL to BOB Historical Review

YEARLY HIGH

0.3623 BOB

YEARLY LOW

0.3243 BOB

YEARLY AVERAGE

0.3391 BOB

2014 HNL to BOB Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2014

During 2014, the HNL to BOB exchange rate experienced significant fluctuation. The market reached its absolute peak on May 8, valuing the pair at 0.3623. Conversely, the yearly low was recorded on October 16, dropping to 0.3243.

This high-to-low spread represents a total annual volatility of 0.0380 BOB. From a start-to-finish perspective, comparing the January average rate of 0.3446 to the December average rate of 0.3277, the exchange rate registered a net change of -4.93% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2014 high of 0.3623 was down 1.82% compared to the 2013 peak of 0.3690, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 1,812 BOB

2013 Average 1,730 BOB

Yearly Trough Low 1,621 BOB

Transaction Impact: A difference of 190.24 BOB purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2014.

0.3645

0.3218

JanuMarcMayJulySeptNove

HNL to BOB 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 0.3508, compared to 0.3275 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0233 points.

H1 Avg (Jan–Jun) 0.3508

H2 Avg (Jul–Dec) 0.3275

Volatility Range Comparison

Volatility

The most volatile month in 2014 was May, with a trading range of 0.0285 BOB (High: 0.3623 / Low: 0.3339). On the other end, July was the most stable month, with a tight range of 0.0009 BOB (High: 0.3303 / Low: 0.3294).

May Spread (Volatile) ±0.0285

July Spread (Stable) ±0.0009

Growth Streaks & Declines

Trends

Between January and April, 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 May and June, when the average rate fell by 0.0283 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0283

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (May 2014: 0.3599) against the same month in 2013 (average: 0.3614), the exchange rate shifted by -0.0014 (-0.39%).

2014 Avg (May) 0.3599

2013 Avg (May) 0.3614

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.3474	0.3411	0.3446
February	0.3534	0.3471	0.3499
March	0.3601	0.3535	0.3576
April	0.3618	0.3595	0.3609
May	0.3623	0.3339	0.3599
June	0.3342	0.3295	0.3317
July	0.3303	0.3294	0.3298
August	0.3308	0.3275	0.3290
September	0.3289	0.3271	0.3276
October	0.3278	0.3243	0.3255
November	0.3260	0.3243	0.3253
December	0.3288	0.3259	0.3277