2020 NAD to BAM Historical Review

YEARLY HIGH

0.1254 BAM

YEARLY LOW

0.0918 BAM

YEARLY AVERAGE

0.1048 BAM

2020 NAD to BAM Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the NAD to BAM exchange rate experienced significant fluctuation. The market reached its absolute peak on January 3, valuing the pair at 0.1254. Conversely, the yearly low was recorded on October 7, dropping to 0.0918.

This high-to-low spread represents a total annual volatility of 0.0336 BAM. From a start-to-finish perspective, comparing the January average rate of 0.1227 to the December average rate of 0.1080, the exchange rate registered a net change of -11.95% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.1254 was down 2.21% compared to the 2019 peak of 0.1283, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 627 BAM

2019 Average 604 BAM

Yearly Trough Low 459 BAM

Transaction Impact: A difference of 168.16 BAM purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.1254

0.0927

JanuMarcMayJulySeptNove

NAD 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 0.1077, compared to 0.1018 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0059 points.

H1 Avg (Jan–Jun) 0.1077

H2 Avg (Jul–Dec) 0.1018

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.0171 BAM (High: 0.1155 / Low: 0.0984). On the other end, July was the most stable month, with a tight range of 0.0038 BAM (High: 0.1034 / Low: 0.0996).

March Spread (Volatile) ±0.0171

July Spread (Stable) ±0.0038

Growth Streaks & Declines

Trends

Between August and December, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 4 straight months. Conversely, the sharpest month-over-month decline occurred between February and March, when the average rate fell by 0.0132 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.0132

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2020: 0.1227) against the same month in 2019 (average: 0.1233), the exchange rate shifted by -0.0006 (-0.50%).

2020 Avg (January) 0.1227

2019 Avg (January) 0.1233

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.1254	0.1199	0.1227
February	0.1215	0.1155	0.1197
March	0.1155	0.0984	0.1066
April	0.1002	0.0943	0.0971
May	0.1021	0.0956	0.0987
June	0.1039	0.0998	0.1016
July	0.1034	0.0996	0.1021
August	0.0996	0.0941	0.0954
September	0.1022	0.0940	0.0987
October	0.1031	0.0918	0.1001
November	0.1083	0.1027	0.1063
December	0.1105	0.1060	0.1080