YEARLY HIGH
1.9757 BAM
YEARLY LOW
1.9362 BAM
YEARLY AVERAGE
1.9556 BAM

2021 EUR to BAM Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the EUR to BAM exchange rate experienced significant fluctuation. The market reached its absolute peak on May 7, valuing the pair at 1.9757. Conversely, the yearly low was recorded on June 16, dropping to 1.9362.

This high-to-low spread represents a total annual volatility of 0.0395 BAM. From a start-to-finish perspective, comparing the January average rate of 1.9548 to the December average rate of 1.9563, the exchange rate registered a net change of 0.07% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 1.9757 was down 0.99% compared to the 2020 peak of 1.9954, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 9,879 BAM
2020 Average 9,786 BAM
Yearly Trough Low 9,681 BAM
Transaction Impact: A difference of 197.31 BAM purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

1.9597
1.9528
JanuMarcMayJulySeptNove

EUR 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 1.9560, compared to 1.9552 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0008 points.

H1 Avg (Jan–Jun) 1.9560
H2 Avg (Jul–Dec) 1.9552

Volatility Range Comparison

Volatility

The most volatile month in 2021 was May, with a trading range of 0.0302 BAM (High: 1.9757 / Low: 1.9455). On the other end, September was the most stable month, with a tight range of 0.0153 BAM (High: 1.9617 / Low: 1.9464).

May Spread (Volatile) ±0.0302
September Spread (Stable) ±0.0153

Growth Streaks & Declines

Trends

Between September and December, 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 0.0030 points.

Longest Streak 3 Mo.
Sharpest MoM Drop -0.0030

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (May 2021: 1.9564) against the same month in 2020 (average: 1.9610), the exchange rate shifted by -0.0046 (-0.23%).

2021 Avg (May) 1.9564
2020 Avg (May) 1.9610

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 1.9646 1.9431 1.9548
February 1.9672 1.9433 1.9566
March 1.9701 1.9444 1.9558
April 1.9708 1.9455 1.9591
May 1.9757 1.9455 1.9564
June 1.9626 1.9362 1.9534
July 1.9627 1.9416 1.9550
August 1.9634 1.9454 1.9557
September 1.9617 1.9464 1.9544
October 1.9684 1.9400 1.9544
November 1.9633 1.9422 1.9554
December 1.9688 1.9424 1.9563