2021 BAM to BGN Historical Review

YEARLY HIGH

1.0091 BGN

YEARLY LOW

0.9895 BGN

YEARLY AVERAGE

1.0001 BGN

2021 BAM to BGN Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the BAM to BGN exchange rate experienced significant fluctuation. The market reached its absolute peak on June 16, valuing the pair at 1.0091. Conversely, the yearly low was recorded on May 7, dropping to 0.9895.

This high-to-low spread represents a total annual volatility of 0.0195 BGN. From a start-to-finish perspective, comparing the January average rate of 1.0002 to the December average rate of 1.0003, the exchange rate registered a net change of 0.01% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 1.0091 was down 0.18% compared to the 2020 peak of 1.0109, 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 5,045 BGN

2020 Average 4,999 BGN

Yearly Trough Low 4,948 BGN

Transaction Impact: A difference of 97.74 BGN purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

1.0015

0.9985

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 0.9999, compared to 1.0003 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0003 points.

H1 Avg (Jan–Jun) 0.9999

H2 Avg (Jul–Dec) 1.0003

Volatility Range Comparison

Volatility

The most volatile month in 2021 was May, with a trading range of 0.0148 BGN (High: 1.0043 / Low: 0.9895). On the other end, September was the most stable month, with a tight range of 0.0056 BGN (High: 1.0026 / Low: 0.9970).

May Spread (Volatile) ±0.0148

September Spread (Stable) ±0.0056

Growth Streaks & Declines

Trends

Between April and June, 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 March and April, when the average rate fell by 0.0016 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0016

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (June 2021: 1.0013) against the same month in 2020 (average: 1.0000), the exchange rate shifted by +0.0013 (+0.13%).

2021 Avg (June) 1.0013

2020 Avg (June) 1.0000

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	1.0044	0.9967	1.0002
February	1.0058	0.9945	0.9994
March	1.0050	0.9936	1.0003
April	1.0040	0.9927	0.9987
May	1.0043	0.9895	0.9999
June	1.0091	0.9959	1.0013
July	1.0073	0.9965	1.0005
August	1.0053	0.9959	1.0002
September	1.0026	0.9970	1.0000
October	1.0081	0.9939	1.0007
November	1.0060	0.9959	0.9999
December	1.0061	0.9936	1.0003