2020 FJD to BAM Historical Review

YEARLY HIGH

0.8242 BAM

YEARLY LOW

0.7648 BAM

YEARLY AVERAGE

0.7915 BAM

2020 FJD to BAM Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the FJD to BAM exchange rate experienced significant fluctuation. The market reached its absolute peak on February 18, valuing the pair at 0.8242. Conversely, the yearly low was recorded on March 28, dropping to 0.7648.

This high-to-low spread represents a total annual volatility of 0.0594 BAM. From a start-to-finish perspective, comparing the January average rate of 0.8132 to the December average rate of 0.7813, the exchange rate registered a net change of -3.92% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.8242 was down 14.41% compared to the 2019 peak of 0.9629, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 4,121 BAM

2019 Average 4,053 BAM

Yearly Trough Low 3,824 BAM

Transaction Impact: A difference of 296.91 BAM purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.8178

0.7737

JanuMarcMayJulySeptNove

FJD 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 0.7995, compared to 0.7835 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0159 points.

H1 Avg (Jan–Jun) 0.7995

H2 Avg (Jul–Dec) 0.7835

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.0375 BAM (High: 0.8023 / Low: 0.7648). On the other end, January was the most stable month, with a tight range of 0.0094 BAM (High: 0.8177 / Low: 0.8084).

March Spread (Volatile) ±0.0375

January Spread (Stable) ±0.0094

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 February and March, when the average rate fell by 0.0360 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0360

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (February 2020: 0.8141) against the same month in 2019 (average: 0.8120), the exchange rate shifted by +0.0021 (+0.26%).

2020 Avg (February) 0.8141

2019 Avg (February) 0.8120

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.8177	0.8084	0.8132
February	0.8242	0.8023	0.8141
March	0.8023	0.7648	0.7781
April	0.8090	0.7819	0.7923
May	0.8081	0.7928	0.8010
June	0.8055	0.7884	0.7981
July	0.8088	0.7773	0.7962
August	0.7834	0.7680	0.7774
September	0.7902	0.7751	0.7808
October	0.7858	0.7725	0.7792
November	0.7912	0.7726	0.7862
December	0.7865	0.7749	0.7813