2016 SAR to BAM Historical Review

YEARLY HIGH

0.5018 BAM

YEARLY LOW

0.4532 BAM

YEARLY AVERAGE

0.4714 BAM

2016 SAR to BAM Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2016

During 2016, the SAR to BAM exchange rate experienced significant fluctuation. The market reached its absolute peak on December 20, valuing the pair at 0.5018. Conversely, the yearly low was recorded on May 2, dropping to 0.4532.

This high-to-low spread represents a total annual volatility of 0.0487 BAM. From a start-to-finish perspective, comparing the January average rate of 0.4797 to the December average rate of 0.4950, the exchange rate registered a net change of 3.20% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2016 high of 0.5018 was up 0.99% compared to the 2015 peak of 0.4969, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 2,509 BAM

2015 Average 2,350 BAM

Yearly Trough Low 2,266 BAM

Transaction Impact: A difference of 243.34 BAM purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2016.

0.4985

0.4565

JanuMarcMayJulySeptNove

SAR 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 0.4672, compared to 0.4756 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0084 points.

H1 Avg (Jan–Jun) 0.4672

H2 Avg (Jul–Dec) 0.4756

Volatility Range Comparison

Volatility

The most volatile month in 2016 was November, with a trading range of 0.0252 BAM (High: 0.4936 / Low: 0.4684). On the other end, September was the most stable month, with a tight range of 0.0047 BAM (High: 0.4679 / Low: 0.4632).

November Spread (Volatile) ±0.0252

September Spread (Stable) ±0.0047

Growth Streaks & Declines

Trends

Between April and July, 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 January and February, when the average rate fell by 0.0100 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0100

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2016: 0.4950) against the same month in 2015 (average: 0.4783), the exchange rate shifted by +0.0167 (+3.50%).

2016 Avg (December) 0.4950

2015 Avg (December) 0.4783

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.4835	0.4768	0.4797
February	0.4798	0.4611	0.4697
March	0.4798	0.4589	0.4684
April	0.4646	0.4559	0.4600
May	0.4692	0.4532	0.4616
June	0.4722	0.4579	0.4639
July	0.4750	0.4670	0.4713
August	0.4706	0.4605	0.4657
September	0.4679	0.4632	0.4654
October	0.4797	0.4641	0.4727
November	0.4936	0.4684	0.4834
December	0.5018	0.4844	0.4950