2020 SAR to BAM Historical Review

YEARLY HIGH

0.4855 BAM

YEARLY LOW

0.4247 BAM

YEARLY AVERAGE

0.4574 BAM

2020 SAR to BAM Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the SAR to BAM exchange rate experienced significant fluctuation. The market reached its absolute peak on March 22, valuing the pair at 0.4855. Conversely, the yearly low was recorded on December 31, dropping to 0.4247.

This high-to-low spread represents a total annual volatility of 0.0608 BAM. From a start-to-finish perspective, comparing the January average rate of 0.4695 to the December average rate of 0.4284, the exchange rate registered a net change of -8.77% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.4855 was up 1.48% compared to the 2019 peak of 0.4784, 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 2,427 BAM

2019 Average 2,329 BAM

Yearly Trough Low 2,123 BAM

Transaction Impact: A difference of 303.89 BAM purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.4839

0.4233

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 0.4730, compared to 0.4419 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0311 points.

H1 Avg (Jan–Jun) 0.4730

H2 Avg (Jul–Dec) 0.4419

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.0291 BAM (High: 0.4855 / Low: 0.4564). On the other end, October was the most stable month, with a tight range of 0.0072 BAM (High: 0.4469 / Low: 0.4397).

March Spread (Volatile) ±0.0291

October Spread (Stable) ±0.0072

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 July and August, when the average rate fell by 0.0148 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0148

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (March 2020: 0.4710) against the same month in 2019 (average: 0.4611), the exchange rate shifted by +0.0099 (+2.15%).

2020 Avg (March) 0.4710

2019 Avg (March) 0.4611

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.4738	0.4656	0.4695
February	0.4831	0.4712	0.4779
March	0.4855	0.4564	0.4710
April	0.4827	0.4746	0.4789
May	0.4826	0.4677	0.4776
June	0.4690	0.4585	0.4632
July	0.4656	0.4399	0.4558
August	0.4444	0.4366	0.4410
September	0.4479	0.4348	0.4421
October	0.4469	0.4397	0.4432
November	0.4477	0.4351	0.4407
December	0.4357	0.4247	0.4284