YEARLY HIGH
0.5113 BAM
YEARLY LOW
0.4563 BAM
YEARLY AVERAGE
0.4862 BAM

2025 PEN to BAM Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the PEN to BAM exchange rate experienced significant fluctuation. The market reached its absolute peak on February 3, valuing the pair at 0.5113. Conversely, the yearly low was recorded on April 20, dropping to 0.4563.

This high-to-low spread represents a total annual volatility of 0.0550 BAM. From a start-to-finish perspective, comparing the January average rate of 0.5039 to the December average rate of 0.4959, the exchange rate registered a net change of -1.59% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2025 high of 0.5113 was up 1.01% compared to the 2024 peak of 0.5062, 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 2,557 BAM
2024 Average 2,409 BAM
Yearly Trough Low 2,282 BAM
Transaction Impact: A difference of 274.84 BAM purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

0.5107
0.4669
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 0.4872, compared to 0.4851 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0021 points.

H1 Avg (Jan–Jun) 0.4872
H2 Avg (Jul–Dec) 0.4851

Volatility Range Comparison

Volatility

The most volatile month in 2025 was April, with a trading range of 0.0370 BAM (High: 0.4933 / Low: 0.4563). On the other end, November was the most stable month, with a tight range of 0.0052 BAM (High: 0.5045 / Low: 0.4993).

April Spread (Volatile) ±0.0370
November Spread (Stable) ±0.0052

Growth Streaks & Declines

Trends

Between July and November, 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 March and April, when the average rate fell by 0.0232 points.

Longest Streak 4 Mo.
Sharpest MoM Drop -0.0232

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (February 2025: 0.5071) against the same month in 2024 (average: 0.4731), the exchange rate shifted by +0.0340 (+7.18%).

2025 Avg (February) 0.5071
2024 Avg (February) 0.4731

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 0.5079 0.4986 0.5039
February 0.5113 0.5010 0.5071
March 0.5106 0.4886 0.4955
April 0.4933 0.4563 0.4724
May 0.4832 0.4679 0.4730
June 0.4759 0.4643 0.4714
July 0.4790 0.4659 0.4706
August 0.4804 0.4689 0.4745
September 0.4808 0.4725 0.4765
October 0.4995 0.4786 0.4915
November 0.5045 0.4993 0.5016
December 0.5025 0.4884 0.4959