2016 SAR to GHS Historical Review

YEARLY HIGH

1.1520 GHS

YEARLY LOW

1.0117 GHS

YEARLY AVERAGE

1.0526 GHS

2016 SAR to GHS Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2016

During 2016, the SAR to GHS exchange rate experienced significant fluctuation. The market reached its absolute peak on November 30, valuing the pair at 1.1520. Conversely, the yearly low was recorded on May 1, dropping to 1.0117.

This high-to-low spread represents a total annual volatility of 0.1403 GHS. From a start-to-finish perspective, comparing the January average rate of 1.0373 to the December average rate of 1.1296, the exchange rate registered a net change of 8.90% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2016 high of 1.1520 was down 2.07% compared to the 2015 peak of 1.1763, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 5,760 GHS

2015 Average 5,039 GHS

Yearly Trough Low 5,059 GHS

Transaction Impact: A difference of 701.64 GHS purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2016.

1.1404

1.0106

JanuMarcMayJulySeptNove

SAR 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 1.0344, compared to 1.0708 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0364 points.

H1 Avg (Jan–Jun) 1.0344

H2 Avg (Jul–Dec) 1.0708

Volatility Range Comparison

Volatility

The most volatile month in 2016 was November, with a trading range of 0.0980 GHS (High: 1.1520 / Low: 1.0540). On the other end, July was the most stable month, with a tight range of 0.0126 GHS (High: 1.0595 / Low: 1.0469).

November Spread (Volatile) ±0.0980

July Spread (Stable) ±0.0126

Growth Streaks & Declines

Trends

Between August and December, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 4 straight months. Conversely, the sharpest month-over-month decline occurred between February and March, when the average rate fell by 0.0293 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.0293

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (November 2016: 1.0764) against the same month in 2015 (average: 1.0174), the exchange rate shifted by +0.0590 (+5.80%).

2016 Avg (November) 1.0764

2015 Avg (November) 1.0174

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	1.0625	1.0162	1.0373
February	1.0761	1.0371	1.0578
March	1.0452	1.0217	1.0284
April	1.0299	1.0119	1.0214
May	1.0330	1.0117	1.0222
June	1.0554	1.0241	1.0390
July	1.0595	1.0469	1.0526
August	1.0602	1.0411	1.0513
September	1.0637	1.0506	1.0557
October	1.0647	1.0513	1.0589
November	1.1520	1.0540	1.0764
December	1.1515	1.0976	1.1296