2019 NPR to BAM Historical Review

YEARLY HIGH

0.0160 BAM

YEARLY LOW

0.0149 BAM

YEARLY AVERAGE

0.0155 BAM

2019 NPR to BAM Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2019

During 2019, the NPR to BAM exchange rate experienced significant fluctuation. The market reached its absolute peak on August 1, valuing the pair at 0.0160. Conversely, the yearly low was recorded on February 4, dropping to 0.0149.

This high-to-low spread represents a total annual volatility of 0.0011 BAM. From a start-to-finish perspective, comparing the January average rate of 0.0152 to the December average rate of 0.0155, the exchange rate registered a net change of 2.02% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2019 high of 0.0160 was down 0.71% compared to the 2018 peak of 0.0161, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 80 BAM

2018 Average 76 BAM

Yearly Trough Low 74 BAM

Transaction Impact: A difference of 5.48 BAM purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2019.

0.0159

0.0151

JanuMarcMayJulySeptNove

NPR 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 0.0155, compared to 0.0156 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0001 points.

H1 Avg (Jan–Jun) 0.0155

H2 Avg (Jul–Dec) 0.0156

Volatility Range Comparison

Volatility

The most volatile month in 2019 was August, with a trading range of 0.0007 BAM (High: 0.0160 / Low: 0.0153). On the other end, November was the most stable month, with a tight range of 0.0002 BAM (High: 0.0156 / Low: 0.0154).

August Spread (Volatile) ±0.0007

November Spread (Stable) ±0.0002

Growth Streaks & Declines

Trends

Between February and May, 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 July and August, when the average rate fell by 0.0004 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0004

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (August 2019: 0.0155) against the same month in 2018 (average: 0.0152), the exchange rate shifted by +0.0003 (+1.84%).

2019 Avg (August) 0.0155

2018 Avg (August) 0.0152

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0154	0.0150	0.0152
February	0.0154	0.0149	0.0151
March	0.0158	0.0152	0.0156
April	0.0158	0.0155	0.0157
May	0.0158	0.0154	0.0157
June	0.0158	0.0155	0.0156
July	0.0160	0.0156	0.0159
August	0.0160	0.0153	0.0155
September	0.0158	0.0154	0.0156
October	0.0158	0.0154	0.0156
November	0.0156	0.0154	0.0155
December	0.0156	0.0152	0.0155