2015 HNL to GHS Historical Review

YEARLY HIGH

0.2028 GHS

YEARLY LOW

0.1494 GHS

YEARLY AVERAGE

0.1741 GHS

2015 HNL to GHS Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2015

During 2015, the HNL to GHS exchange rate experienced significant fluctuation. The market reached its absolute peak on June 24, valuing the pair at 0.2028. Conversely, the yearly low was recorded on July 21, dropping to 0.1494.

This high-to-low spread represents a total annual volatility of 0.0534 GHS. From a start-to-finish perspective, comparing the January average rate of 0.1548 to the December average rate of 0.1739, the exchange rate registered a net change of 12.32% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2015 high of 0.2028 was up 10.10% compared to the 2014 peak of 0.1842, 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 1,014 GHS

2014 Average 744 GHS

Yearly Trough Low 747 GHS

Transaction Impact: A difference of 267.09 GHS purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2015.

0.2008

0.1506

JanuMarcMayJulySeptNove

HNL to GHS 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 0.1736, compared to 0.1746 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) 0.1736

H2 Avg (Jul–Dec) 0.1746

Volatility Range Comparison

Volatility

The most volatile month in 2015 was July, with a trading range of 0.0506 GHS (High: 0.2000 / Low: 0.1494). On the other end, November was the most stable month, with a tight range of 0.0036 GHS (High: 0.1757 / Low: 0.1721).

July Spread (Volatile) ±0.0506

November Spread (Stable) ±0.0036

Growth Streaks & Declines

Trends

Between January and June, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 5 straight months. Conversely, the sharpest month-over-month decline occurred between June and July, when the average rate fell by 0.0307 points.

Longest Streak 5 Mo.

Sharpest MoM Drop -0.0307

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (June 2015: 0.1966) against the same month in 2014 (average: 0.1495), the exchange rate shifted by +0.0472 (+31.55%).

2015 Avg (June) 0.1966

2014 Avg (June) 0.1495

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.1586	0.1525	0.1548
February	0.1668	0.1573	0.1619
March	0.1773	0.1650	0.1702
April	0.1795	0.1753	0.1779
May	0.1854	0.1756	0.1801
June	0.2028	0.1864	0.1966
July	0.2000	0.1494	0.1659
August	0.1974	0.1721	0.1838
September	0.1844	0.1722	0.1774
October	0.1773	0.1696	0.1730
November	0.1757	0.1721	0.1738
December	0.1758	0.1711	0.1739