2020 BAM to SAR Historical Review

YEARLY HIGH

2.3547 SAR

YEARLY LOW

2.0599 SAR

YEARLY AVERAGE

2.1893 SAR

2020 BAM to SAR Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the BAM to SAR exchange rate experienced significant fluctuation. The market reached its absolute peak on December 31, valuing the pair at 2.3547. Conversely, the yearly low was recorded on March 22, dropping to 2.0599.

This high-to-low spread represents a total annual volatility of 0.2948 SAR. From a start-to-finish perspective, comparing the January average rate of 2.1298 to the December average rate of 2.3346, the exchange rate registered a net change of 9.62% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 2.3547 was up 6.44% compared to the 2019 peak of 2.2122, 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 11,774 SAR

2019 Average 10,736 SAR

Yearly Trough Low 10,300 SAR

Transaction Impact: A difference of 1,474.01 SAR purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

2.3592

2.0637

JanuMarcMayJulySeptNove

BAM to SAR 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 2.1146, compared to 2.2640 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.1494 points.

H1 Avg (Jan–Jun) 2.1146

H2 Avg (Jul–Dec) 2.2640

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.1312 SAR (High: 2.1911 / Low: 2.0599). On the other end, April was the most stable month, with a tight range of 0.0355 SAR (High: 2.1069 / Low: 2.0715).

March Spread (Volatile) ±0.1312

April Spread (Stable) ±0.0355

Growth Streaks & Declines

Trends

Between April and August, 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 January and February, when the average rate fell by 0.0371 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.0371

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2020: 2.3346) against the same month in 2019 (average: 2.1306), the exchange rate shifted by +0.2040 (+9.57%).

2020 Avg (December) 2.3346

2019 Avg (December) 2.1306

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	2.1478	2.1107	2.1298
February	2.1224	2.0698	2.0927
March	2.1911	2.0599	2.1237
April	2.1069	2.0715	2.0884
May	2.1380	2.0719	2.0939
June	2.1812	2.1323	2.1591
July	2.2732	2.1476	2.1943
August	2.2903	2.2502	2.2674
September	2.2999	2.2326	2.2620
October	2.2742	2.2378	2.2565
November	2.2985	2.2339	2.2693
December	2.3547	2.2949	2.3346