2020 PEN to BAM Historical Review

YEARLY HIGH

0.5357 BAM

YEARLY LOW

0.4401 BAM

YEARLY AVERAGE

0.4920 BAM

2020 PEN to BAM Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the PEN to BAM exchange rate experienced significant fluctuation. The market reached its absolute peak on February 19, valuing the pair at 0.5357. Conversely, the yearly low was recorded on December 31, dropping to 0.4401.

This high-to-low spread represents a total annual volatility of 0.0956 BAM. From a start-to-finish perspective, comparing the January average rate of 0.5297 to the December average rate of 0.4463, the exchange rate registered a net change of -15.74% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.5357 was up 0.44% compared to the 2019 peak of 0.5333, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 2,678 BAM

2019 Average 2,618 BAM

Yearly Trough Low 2,201 BAM

Transaction Impact: A difference of 477.81 BAM purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.5380

0.4380

JanuMarcMayJulySeptNove

PEN 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 0.5201, compared to 0.4640 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0561 points.

H1 Avg (Jan–Jun) 0.5201

H2 Avg (Jul–Dec) 0.4640

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.0321 BAM (High: 0.5214 / Low: 0.4893). On the other end, October was the most stable month, with a tight range of 0.0073 BAM (High: 0.4657 / Low: 0.4584).

March Spread (Volatile) ±0.0321

October Spread (Stable) ±0.0073

Growth Streaks & Declines

Trends

No sustained consecutive month-over-month growth streak of 2+ months occurred in 2020. Conversely, the sharpest month-over-month decline occurred between May and June, when the average rate fell by 0.0249 points.

Longest Streak 1 Mo.

Sharpest MoM Drop -0.0249

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (February 2020: 0.5287) against the same month in 2019 (average: 0.5187), the exchange rate shifted by +0.0100 (+1.94%).

2020 Avg (February) 0.5287

2019 Avg (February) 0.5187

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.5336	0.5234	0.5297
February	0.5357	0.5150	0.5287
March	0.5214	0.4893	0.5072
April	0.5343	0.5188	0.5295
May	0.5330	0.5115	0.5252
June	0.5139	0.4907	0.5003
July	0.4949	0.4671	0.4862
August	0.4714	0.4592	0.4646
September	0.4700	0.4605	0.4664
October	0.4657	0.4584	0.4623
November	0.4650	0.4506	0.4581
December	0.4529	0.4401	0.4463