2020 BAM to BGN Historical Review

YEARLY HIGH

1.0109 BGN

YEARLY LOW

0.9882 BGN

YEARLY AVERAGE

0.9997 BGN

2020 BAM to BGN Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the BAM to BGN exchange rate experienced significant fluctuation. The market reached its absolute peak on March 13, valuing the pair at 1.0109. Conversely, the yearly low was recorded on June 4, dropping to 0.9882.

This high-to-low spread represents a total annual volatility of 0.0227 BGN. From a start-to-finish perspective, comparing the January average rate of 1.0000 to the December average rate of 1.0000, the exchange rate registered a net change of 0.00% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 1.0109 was up 0.04% compared to the 2019 peak of 1.0105, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 5,055 BGN

2019 Average 5,001 BGN

Yearly Trough Low 4,941 BGN

Transaction Impact: A difference of 113.65 BGN purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

1.0014

0.9982

JanuMarcMayJulySeptNove

BAM to BGN 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 0.9997, compared to 0.9997 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0001 points.

H1 Avg (Jan–Jun) 0.9997

H2 Avg (Jul–Dec) 0.9997

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.0212 BGN (High: 1.0109 / Low: 0.9897). On the other end, October was the most stable month, with a tight range of 0.0065 BGN (High: 1.0038 / Low: 0.9973).

March Spread (Volatile) ±0.0212

October Spread (Stable) ±0.0065

Growth Streaks & Declines

Trends

Between July and September, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 2 straight months. Conversely, the sharpest month-over-month decline occurred between June and July, when the average rate fell by 0.0015 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0015

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (March 2020: 1.0005) against the same month in 2019 (average: 1.0009), the exchange rate shifted by -0.0004 (-0.04%).

2020 Avg (March) 1.0005

2019 Avg (March) 1.0009

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	1.0036	0.9960	1.0000
February	1.0036	0.9941	0.9991
March	1.0109	0.9897	1.0005
April	1.0089	0.9930	0.9995
May	1.0041	0.9906	0.9992
June	1.0063	0.9882	1.0000
July	1.0033	0.9918	0.9985
August	1.0062	0.9930	0.9994
September	1.0071	0.9948	1.0012
October	1.0038	0.9973	0.9997
November	1.0053	0.9921	0.9991
December	1.0063	0.9907	1.0000