2020 HNL to BOB Historical Review

YEARLY HIGH

0.2868 BOB

YEARLY LOW

0.2733 BOB

YEARLY AVERAGE

0.2791 BOB

2020 HNL to BOB Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HNL to BOB exchange rate experienced significant fluctuation. The market reached its absolute peak on December 25, valuing the pair at 0.2868. Conversely, the yearly low was recorded on January 14, dropping to 0.2733.

This high-to-low spread represents a total annual volatility of 0.0135 BOB. From a start-to-finish perspective, comparing the January average rate of 0.2790 to the December average rate of 0.2844, the exchange rate registered a net change of 1.92% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.2868 was down 38.33% compared to the 2019 peak of 0.4651, 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 1,434 BOB

2019 Average 1,409 BOB

Yearly Trough Low 1,367 BOB

Transaction Impact: A difference of 67.40 BOB purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.2852

0.2754

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 0.2774, compared to 0.2807 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) 0.2774

H2 Avg (Jul–Dec) 0.2807

Volatility Range Comparison

Volatility

The most volatile month in 2020 was January, with a trading range of 0.0082 BOB (High: 0.2815 / Low: 0.2733). On the other end, September was the most stable month, with a tight range of 0.0020 BOB (High: 0.2804 / Low: 0.2784).

January Spread (Volatile) ±0.0082

September Spread (Stable) ±0.0020

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 February and March, when the average rate fell by 0.0017 points.

Longest Streak 7 Mo.

Sharpest MoM Drop -0.0017

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2020: 0.2844) against the same month in 2019 (average: 0.2856), the exchange rate shifted by -0.0013 (-0.45%).

2020 Avg (December) 0.2844

2019 Avg (December) 0.2856

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.2815	0.2733	0.2790
February	0.2808	0.2773	0.2786
March	0.2791	0.2743	0.2769
April	0.2777	0.2747	0.2768
May	0.2783	0.2747	0.2762
June	0.2786	0.2763	0.2771
July	0.2790	0.2765	0.2776
August	0.2801	0.2771	0.2792
September	0.2804	0.2784	0.2795
October	0.2822	0.2800	0.2810
November	0.2845	0.2805	0.2827
December	0.2868	0.2824	0.2844