2020 PLN to BAM Historical Review

YEARLY HIGH

0.4631 BAM

YEARLY LOW

0.4228 BAM

YEARLY AVERAGE

0.4406 BAM

2020 PLN to BAM Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the PLN to BAM exchange rate experienced significant fluctuation. The market reached its absolute peak on January 14, valuing the pair at 0.4631. Conversely, the yearly low was recorded on October 28, dropping to 0.4228.

This high-to-low spread represents a total annual volatility of 0.0403 BAM. From a start-to-finish perspective, comparing the January average rate of 0.4604 to the December average rate of 0.4370, the exchange rate registered a net change of -5.10% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.4631 was up 0.12% compared to the 2019 peak of 0.4626, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

Comparing the value generated converting 20,000 PLN based on timing:

Yearly Peak High 9,263 BAM

2019 Average 9,103 BAM

Yearly Trough Low 8,456 BAM

Transaction Impact: A difference of 806.78 BAM purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.4634

0.4274

JanuMarcMayJulySeptNove

PLN 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 0.4437, compared to 0.4375 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0061 points.

H1 Avg (Jan–Jun) 0.4437

H2 Avg (Jul–Dec) 0.4375

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.0335 BAM (High: 0.4570 / Low: 0.4235). On the other end, January was the most stable month, with a tight range of 0.0074 BAM (High: 0.4631 / Low: 0.4558).

March Spread (Volatile) ±0.0335

January Spread (Stable) ±0.0074

Growth Streaks & Declines

Trends

Between April and August, 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 0.0159 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.0159

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2020: 0.4604) against the same month in 2019 (average: 0.4557), the exchange rate shifted by +0.0047 (+1.03%).

2020 Avg (January) 0.4604

2019 Avg (January) 0.4557

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.4631	0.4558	0.4604
February	0.4606	0.4527	0.4573
March	0.4570	0.4235	0.4413
April	0.4340	0.4258	0.4304
May	0.4419	0.4267	0.4324
June	0.4469	0.4339	0.4401
July	0.4482	0.4357	0.4403
August	0.4490	0.4397	0.4444
September	0.4431	0.4269	0.4367
October	0.4395	0.4228	0.4312
November	0.4392	0.4228	0.4356
December	0.4439	0.4279	0.4370