2021 BGN to BAM Historical Review

YEARLY HIGH

1.0106 BAM

YEARLY LOW

0.9910 BAM

YEARLY AVERAGE

0.9999 BAM

2021 BGN to BAM Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the BGN to BAM exchange rate experienced significant fluctuation. The market reached its absolute peak on May 7, valuing the pair at 1.0106. Conversely, the yearly low was recorded on June 16, dropping to 0.9910.

This high-to-low spread represents a total annual volatility of 0.0196 BAM. From a start-to-finish perspective, comparing the January average rate of 0.9998 to the December average rate of 0.9997, the exchange rate registered a net change of -0.01% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2021 high of 1.0106 was down 0.13% compared to the 2020 peak of 1.0119, 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 5,053 BAM

2020 Average 5,002 BAM

Yearly Trough Low 4,955 BAM

Transaction Impact: A difference of 97.88 BAM purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

1.0015

0.9985

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 1.0001, 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 0.0003 points.

H1 Avg (Jan–Jun) 1.0001

H2 Avg (Jul–Dec) 0.9997

Volatility Range Comparison

Volatility

The most volatile month in 2021 was May, with a trading range of 0.0149 BAM (High: 1.0106 / Low: 0.9957). On the other end, September was the most stable month, with a tight range of 0.0056 BAM (High: 1.0030 / Low: 0.9974).

May Spread (Volatile) ±0.0149

September Spread (Stable) ±0.0056

Growth Streaks & Declines

Trends

Between June and September, 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 0.0013 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0013

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (May 2021: 1.0001) against the same month in 2020 (average: 1.0008), the exchange rate shifted by -0.0007 (-0.07%).

2021 Avg (May) 1.0001

2020 Avg (May) 1.0008

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	1.0033	0.9956	0.9998
February	1.0056	0.9943	1.0006
March	1.0064	0.9950	0.9997
April	1.0073	0.9961	1.0013
May	1.0106	0.9957	1.0001
June	1.0041	0.9910	0.9988
July	1.0035	0.9927	0.9995
August	1.0042	0.9947	0.9998
September	1.0030	0.9974	1.0000
October	1.0062	0.9920	0.9993
November	1.0042	0.9940	1.0001
December	1.0065	0.9940	0.9997