2020 BAM to PLN Historical Review

YEARLY HIGH

2.3652 PLN

YEARLY LOW

2.1592 PLN

YEARLY AVERAGE

2.2709 PLN

2020 BAM to PLN Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the BAM to PLN exchange rate experienced significant fluctuation. The market reached its absolute peak on October 28, valuing the pair at 2.3652. Conversely, the yearly low was recorded on January 14, dropping to 2.1592.

This high-to-low spread represents a total annual volatility of 0.2060 PLN. From a start-to-finish perspective, comparing the January average rate of 2.1720 to the December average rate of 2.2888, the exchange rate registered a net change of 5.38% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 2.3652 was up 4.70% compared to the 2019 peak of 2.2589, 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 11,826 PLN

2019 Average 10,986 PLN

Yearly Trough Low 10,796 PLN

Transaction Impact: A difference of 1,030.03 PLN purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

2.3384

2.1568

JanuMarcMayJulySeptNove

BAM to PLN 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 2.2558, compared to 2.2860 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0302 points.

H1 Avg (Jan–Jun) 2.2558

H2 Avg (Jul–Dec) 2.2860

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.1732 PLN (High: 2.3614 / Low: 2.1882). On the other end, January was the most stable month, with a tight range of 0.0348 PLN (High: 2.1940 / Low: 2.1592).

March Spread (Volatile) ±0.1732

January Spread (Stable) ±0.0348

Growth Streaks & Declines

Trends

Between January and April, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 3 straight months. Conversely, the sharpest month-over-month decline occurred between May and June, when the average rate fell by 0.0401 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0401

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (October 2020: 2.3196) against the same month in 2019 (average: 2.1959), the exchange rate shifted by +0.1237 (+5.63%).

2020 Avg (October) 2.3196

2019 Avg (October) 2.1959

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	2.1940	2.1592	2.1720
February	2.2088	2.1713	2.1870
March	2.3614	2.1882	2.2674
April	2.3484	2.3040	2.3233
May	2.3435	2.2628	2.3127
June	2.3045	2.2375	2.2726
July	2.2950	2.2311	2.2716
August	2.2741	2.2270	2.2501
September	2.3427	2.2570	2.2901
October	2.3652	2.2754	2.3196
November	2.3651	2.2767	2.2960
December	2.3371	2.2527	2.2888