2020 NPR to BAM Historical Review

YEARLY HIGH

0.0159 BAM

YEARLY LOW

0.0135 BAM

YEARLY AVERAGE

0.0145 BAM

2020 NPR to BAM Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the NPR to BAM exchange rate experienced significant fluctuation. The market reached its absolute peak on February 19, valuing the pair at 0.0159. Conversely, the yearly low was recorded on December 22, dropping to 0.0135.

This high-to-low spread represents a total annual volatility of 0.0023 BAM. From a start-to-finish perspective, comparing the January average rate of 0.0155 to the December average rate of 0.0136, the exchange rate registered a net change of -11.74% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.0159 was down 0.72% compared to the 2019 peak of 0.0160, 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 79 BAM

2019 Average 78 BAM

Yearly Trough Low 68 BAM

Transaction Impact: A difference of 11.74 BAM purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.0159

0.0134

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 0.0150, compared to 0.0140 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0010 points.

H1 Avg (Jan–Jun) 0.0150

H2 Avg (Jul–Dec) 0.0140

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.0009 BAM (High: 0.0154 / Low: 0.0145). On the other end, September was the most stable month, with a tight range of 0.0002 BAM (High: 0.0142 / Low: 0.0140).

March Spread (Volatile) ±0.0009

September Spread (Stable) ±0.0002

Growth Streaks & Declines

Trends

Between August and October, 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 0.0008 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0008

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (February 2020: 0.0157) against the same month in 2019 (average: 0.0151), the exchange rate shifted by +0.0005 (+3.54%).

2020 Avg (February) 0.0157

2019 Avg (February) 0.0151

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0156	0.0152	0.0155
February	0.0159	0.0154	0.0157
March	0.0154	0.0145	0.0149
April	0.0149	0.0146	0.0148
May	0.0150	0.0145	0.0148
June	0.0146	0.0142	0.0143
July	0.0146	0.0138	0.0143
August	0.0140	0.0137	0.0139
September	0.0142	0.0140	0.0141
October	0.0142	0.0140	0.0141
November	0.0141	0.0138	0.0139
December	0.0139	0.0135	0.0136