YEARLY HIGH
3.6219 HNL
YEARLY LOW
3.4282 HNL
YEARLY AVERAGE
3.4921 HNL

2021 BOB to HNL Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the BOB to HNL exchange rate experienced significant fluctuation. The market reached its absolute peak on January 6, valuing the pair at 3.6219. Conversely, the yearly low was recorded on July 29, dropping to 3.4282.

This high-to-low spread represents a total annual volatility of 0.1937 HNL. From a start-to-finish perspective, comparing the January average rate of 3.5187 to the December average rate of 3.5193, the exchange rate registered a net change of 0.02% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 3.6219 was down 1.00% compared to the 2020 peak of 3.6584, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 18,110 HNL
2020 Average 17,918 HNL
Yearly Trough Low 17,141 HNL
Transaction Impact: A difference of 968.64 HNL purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

3.5267
3.4384
JanuMarcMayJulySeptNove

BOB to HNL 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 3.4982, compared to 3.4859 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0123 points.

H1 Avg (Jan–Jun) 3.4982
H2 Avg (Jul–Dec) 3.4859

Volatility Range Comparison

Volatility

The most volatile month in 2021 was January, with a trading range of 0.1316 HNL (High: 3.6219 / Low: 3.4904). On the other end, November was the most stable month, with a tight range of 0.0179 HNL (High: 3.5092 / Low: 3.4912).

January Spread (Volatile) ±0.1316
November Spread (Stable) ±0.0179

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 June and July, when the average rate fell by 0.0179 points.

Longest Streak 4 Mo.
Sharpest MoM Drop -0.0179

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2021: 3.5187) against the same month in 2020 (average: 3.5842), the exchange rate shifted by -0.0655 (-1.83%).

2021 Avg (January) 3.5187
2020 Avg (January) 3.5842

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 3.6219 3.4904 3.5187
February 3.5223 3.4836 3.5089
March 3.5332 3.4809 3.5052
April 3.5004 3.4693 3.4885
May 3.5029 3.4791 3.4913
June 3.4938 3.4532 3.4768
July 3.4802 3.4282 3.4589
August 3.4679 3.4345 3.4458
September 3.5084 3.4578 3.4912
October 3.5078 3.4867 3.4992
November 3.5092 3.4912 3.5013
December 3.5402 3.4971 3.5193