2020 SBD to BAM Historical Review

YEARLY HIGH

0.2204 BAM

YEARLY LOW

0.1973 BAM

YEARLY AVERAGE

0.2085 BAM

2020 SBD to BAM Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the SBD to BAM exchange rate experienced significant fluctuation. The market reached its absolute peak on March 20, valuing the pair at 0.2204. Conversely, the yearly low was recorded on September 1, dropping to 0.1973.

This high-to-low spread represents a total annual volatility of 0.0231 BAM. From a start-to-finish perspective, comparing the January average rate of 0.2127 to the December average rate of 0.1998, the exchange rate registered a net change of -6.04% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.2204 was up 0.68% compared to the 2019 peak of 0.2189, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 1,102 BAM

2019 Average 1,065 BAM

Yearly Trough Low 987 BAM

Transaction Impact: A difference of 115.60 BAM purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.2189

0.1981

JanuMarcMayJulySeptNove

SBD 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 0.2140, compared to 0.2030 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0110 points.

H1 Avg (Jan–Jun) 0.2140

H2 Avg (Jul–Dec) 0.2030

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.0145 BAM (High: 0.2204 / Low: 0.2059). On the other end, April was the most stable month, with a tight range of 0.0032 BAM (High: 0.2183 / Low: 0.2150).

March Spread (Volatile) ±0.0145

April Spread (Stable) ±0.0032

Growth Streaks & Declines

Trends

Between August and November, 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 May and June, when the average rate fell by 0.0071 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0071

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (March 2020: 0.2136) against the same month in 2019 (average: 0.2128), the exchange rate shifted by +0.0008 (+0.39%).

2020 Avg (March) 0.2136

2019 Avg (March) 0.2128

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.2158	0.2103	0.2127
February	0.2203	0.2138	0.2172
March	0.2204	0.2059	0.2136
April	0.2183	0.2150	0.2166
May	0.2192	0.2107	0.2155
June	0.2108	0.2064	0.2084
July	0.2088	0.1999	0.2055
August	0.2025	0.1982	0.2004
September	0.2064	0.1973	0.2027
October	0.2072	0.2033	0.2047
November	0.2078	0.2023	0.2048
December	0.2034	0.1981	0.1998