2021 HTG to BAM Historical Review

YEARLY HIGH

0.0226 BAM

YEARLY LOW

0.0166 BAM

YEARLY AVERAGE

0.0187 BAM

2021 HTG to BAM Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the HTG to BAM exchange rate experienced significant fluctuation. The market reached its absolute peak on February 3, valuing the pair at 0.0226. Conversely, the yearly low was recorded on September 9, dropping to 0.0166.

This high-to-low spread represents a total annual volatility of 0.0060 BAM. From a start-to-finish perspective, comparing the January average rate of 0.0220 to the December average rate of 0.0172, the exchange rate registered a net change of -21.93% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2021 high of 0.0226 was down 15.00% compared to the 2020 peak of 0.0266, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 113 BAM

2020 Average 95 BAM

Yearly Trough Low 83 BAM

Transaction Impact: A difference of 30.12 BAM purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

0.0225

0.0164

JanuMarcMayJulySeptNove

HTG 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 0.0201, compared to 0.0172 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0030 points.

H1 Avg (Jan–Jun) 0.0201

H2 Avg (Jul–Dec) 0.0172

Volatility Range Comparison

Volatility

The most volatile month in 2021 was April, with a trading range of 0.0020 BAM (High: 0.0208 / Low: 0.0188). On the other end, October was the most stable month, with a tight range of 0.0006 BAM (High: 0.0172 / Low: 0.0167).

April Spread (Volatile) ±0.0020

October Spread (Stable) ±0.0006

Growth Streaks & Declines

Trends

Between September and November, 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 April and May, 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 (February 2021: 0.0219) against the same month in 2020 (average: 0.0184), the exchange rate shifted by +0.0036 (+19.38%).

2021 Avg (February) 0.0219

2020 Avg (February) 0.0184

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0226	0.0218	0.0220
February	0.0226	0.0212	0.0219
March	0.0219	0.0206	0.0210
April	0.0208	0.0188	0.0199
May	0.0190	0.0175	0.0183
June	0.0181	0.0174	0.0176
July	0.0182	0.0172	0.0175
August	0.0176	0.0167	0.0171
September	0.0174	0.0166	0.0169
October	0.0172	0.0167	0.0170
November	0.0177	0.0171	0.0174
December	0.0175	0.0169	0.0172