2020 BGN to BAM Historical Review

YEARLY HIGH

1.0119 BAM

YEARLY LOW

0.9892 BAM

YEARLY AVERAGE

1.0003 BAM

2020 BGN to BAM Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the BGN to BAM exchange rate experienced significant fluctuation. The market reached its absolute peak on June 4, valuing the pair at 1.0119. Conversely, the yearly low was recorded on March 14, dropping to 0.9892.

This high-to-low spread represents a total annual volatility of 0.0228 BAM. 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 1.0119 was up 0.37% compared to the 2019 peak of 1.0082, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 5,060 BAM

2019 Average 4,999 BAM

Yearly Trough Low 4,946 BAM

Transaction Impact: A difference of 113.76 BAM purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

1.0018

0.9986

JanuMarcMayJulySeptNove

BGN to BAM 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 1.0003, 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 0.0001 points.

H1 Avg (Jan–Jun) 1.0003

H2 Avg (Jul–Dec) 1.0003

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.0212 BAM (High: 1.0104 / Low: 0.9892). On the other end, October was the most stable month, with a tight range of 0.0065 BAM (High: 1.0027 / Low: 0.9962).

March Spread (Volatile) ±0.0212

October Spread (Stable) ±0.0065

Growth Streaks & Declines

Trends

Between March and May, 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 August and September, when the average rate fell by 0.0017 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0017

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (June 2020: 1.0000) against the same month in 2019 (average: 1.0001), the exchange rate shifted by -0.0001 (-0.01%).

2020 Avg (June) 1.0000

2019 Avg (June) 1.0001

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	1.0040	0.9964	1.0000
February	1.0059	0.9964	1.0009
March	1.0104	0.9892	0.9995
April	1.0071	0.9911	1.0005
May	1.0095	0.9960	1.0008
June	1.0119	0.9937	1.0000
July	1.0083	0.9967	1.0015
August	1.0070	0.9938	1.0006
September	1.0052	0.9929	0.9989
October	1.0027	0.9962	1.0003
November	1.0080	0.9947	1.0009
December	1.0093	0.9937	1.0000