2021 HNL to BOB Historical Review

YEARLY HIGH

0.2917 BOB

YEARLY LOW

0.2761 BOB

YEARLY AVERAGE

0.2864 BOB

2021 HNL to BOB Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the HNL to BOB exchange rate experienced significant fluctuation. The market reached its absolute peak on July 29, valuing the pair at 0.2917. Conversely, the yearly low was recorded on January 6, dropping to 0.2761.

This high-to-low spread represents a total annual volatility of 0.0156 BOB. From a start-to-finish perspective, comparing the January average rate of 0.2842 to the December average rate of 0.2842, the exchange rate registered a net change of -0.02% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2021 high of 0.2917 was up 1.70% compared to the 2020 peak of 0.2868, 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 1,458 BOB

2020 Average 1,395 BOB

Yearly Trough Low 1,380 BOB

Transaction Impact: A difference of 78.01 BOB purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

0.2908

0.2835

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 0.2859, compared to 0.2869 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0010 points.

H1 Avg (Jan–Jun) 0.2859

H2 Avg (Jul–Dec) 0.2869

Volatility Range Comparison

Volatility

The most volatile month in 2021 was January, with a trading range of 0.0104 BOB (High: 0.2865 / Low: 0.2761). On the other end, November was the most stable month, with a tight range of 0.0015 BOB (High: 0.2864 / Low: 0.2850).

January Spread (Volatile) ±0.0104

November Spread (Stable) ±0.0015

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 August and September, when the average rate fell by 0.0038 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0038

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (July 2021: 0.2891) against the same month in 2020 (average: 0.2776), the exchange rate shifted by +0.0115 (+4.16%).

2021 Avg (July) 0.2891

2020 Avg (July) 0.2776

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.2865	0.2761	0.2842
February	0.2871	0.2839	0.2850
March	0.2873	0.2830	0.2853
April	0.2882	0.2857	0.2867
May	0.2874	0.2855	0.2864
June	0.2896	0.2862	0.2876
July	0.2917	0.2873	0.2891
August	0.2912	0.2884	0.2902
September	0.2892	0.2850	0.2864
October	0.2868	0.2851	0.2858
November	0.2864	0.2850	0.2856
December	0.2860	0.2825	0.2842