2025 HNL to BOB Historical Review

YEARLY HIGH

0.2726 BOB

YEARLY LOW

0.2616 BOB

YEARLY AVERAGE

0.2658 BOB

2025 HNL to BOB Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the HNL to BOB exchange rate experienced significant fluctuation. The market reached its absolute peak on January 20, valuing the pair at 0.2726. Conversely, the yearly low was recorded on August 16, dropping to 0.2616.

This high-to-low spread represents a total annual volatility of 0.0110 BOB. From a start-to-finish perspective, comparing the January average rate of 0.2714 to the December average rate of 0.2628, the exchange rate registered a net change of -3.16% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2025 high of 0.2726 was down 3.06% compared to the 2024 peak of 0.2812, 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 1,363 BOB

2024 Average 1,390 BOB

Yearly Trough Low 1,308 BOB

Transaction Impact: A difference of 54.85 BOB purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

0.2723

0.2620

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 0.2683, compared to 0.2632 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0051 points.

H1 Avg (Jan–Jun) 0.2683

H2 Avg (Jul–Dec) 0.2632

Volatility Range Comparison

Volatility

The most volatile month in 2025 was April, with a trading range of 0.0041 BOB (High: 0.2707 / Low: 0.2665). On the other end, November was the most stable month, with a tight range of 0.0018 BOB (High: 0.2639 / Low: 0.2621).

April Spread (Volatile) ±0.0041

November Spread (Stable) ±0.0018

Growth Streaks & Declines

Trends

No sustained consecutive month-over-month growth streak of 2+ months occurred in 2025. Conversely, the sharpest month-over-month decline occurred between April and May, when the average rate fell by 0.0019 points.

Longest Streak 1 Mo.

Sharpest MoM Drop -0.0019

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2025: 0.2714) against the same month in 2024 (average: 0.2799), the exchange rate shifted by -0.0084 (-3.01%).

2025 Avg (January) 0.2714

2024 Avg (January) 0.2799

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.2726	0.2700	0.2714
February	0.2720	0.2682	0.2700
March	0.2711	0.2682	0.2695
April	0.2707	0.2665	0.2680
May	0.2678	0.2649	0.2660
June	0.2662	0.2639	0.2649
July	0.2651	0.2617	0.2631
August	0.2644	0.2616	0.2630
September	0.2649	0.2622	0.2639
October	0.2648	0.2627	0.2636
November	0.2639	0.2621	0.2629
December	0.2643	0.2618	0.2628