YEARLY HIGH
0.0147 BAM
YEARLY LOW
0.0126 BAM
YEARLY AVERAGE
0.0133 BAM

2025 HTG to BAM Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the HTG to BAM exchange rate experienced significant fluctuation. The market reached its absolute peak on February 3, valuing the pair at 0.0147. Conversely, the yearly low was recorded on July 1, dropping to 0.0126.

This high-to-low spread represents a total annual volatility of 0.0021 BAM. From a start-to-finish perspective, comparing the January average rate of 0.0145 to the December average rate of 0.0127, the exchange rate registered a net change of -11.86% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2025 high of 0.0147 was up 2.11% compared to the 2024 peak of 0.0144, 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 74 BAM
2024 Average 68 BAM
Yearly Trough Low 63 BAM
Transaction Impact: A difference of 10.43 BAM purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

0.0146
0.0126
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 0.0137, compared to 0.0128 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0009 points.

H1 Avg (Jan–Jun) 0.0137
H2 Avg (Jul–Dec) 0.0128

Volatility Range Comparison

Volatility

The most volatile month in 2025 was April, with a trading range of 0.0008 BAM (High: 0.0138 / Low: 0.0130). On the other end, December was the most stable month, with a tight range of 0.0002 BAM (High: 0.0129 / Low: 0.0127).

April Spread (Volatile) ±0.0008
December Spread (Stable) ±0.0002

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 February and March, when the average rate fell by 0.0005 points.

Longest Streak 2 Mo.
Sharpest MoM Drop -0.0005

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (February 2025: 0.0143) against the same month in 2024 (average: 0.0137), the exchange rate shifted by +0.0006 (+4.56%).

2025 Avg (February) 0.0143
2024 Avg (February) 0.0137

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 0.0147 0.0142 0.0145
February 0.0147 0.0141 0.0143
March 0.0143 0.0137 0.0138
April 0.0138 0.0130 0.0134
May 0.0135 0.0131 0.0132
June 0.0133 0.0127 0.0130
July 0.0130 0.0126 0.0127
August 0.0131 0.0128 0.0128
September 0.0129 0.0126 0.0127
October 0.0129 0.0127 0.0128
November 0.0130 0.0127 0.0129
December 0.0129 0.0127 0.0127