2012 SGD to BAM Historical Review

YEARLY HIGH

1.2880 BAM

YEARLY LOW

1.1605 BAM

YEARLY AVERAGE

1.2194 BAM

2012 SGD to BAM Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2012

During 2012, the SGD to BAM exchange rate experienced significant fluctuation. The market reached its absolute peak on August 2, valuing the pair at 1.2880. Conversely, the yearly low was recorded on February 26, dropping to 1.1605.

This high-to-low spread represents a total annual volatility of 0.1275 BAM. From a start-to-finish perspective, comparing the January average rate of 1.1859 to the December average rate of 1.2230, the exchange rate registered a net change of 3.13% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2012 high of 1.2880 was up 10.36% compared to the 2011 peak of 1.1671, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 6,440 BAM

2011 Average 5,598 BAM

Yearly Trough Low 5,802 BAM

Transaction Impact: A difference of 637.72 BAM purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2012.

1.2741

1.1691

JanuMarcMayJulySeptNove

SGD 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 1.1944, compared to 1.2443 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0499 points.

H1 Avg (Jan–Jun) 1.1944

H2 Avg (Jul–Dec) 1.2443

Volatility Range Comparison

Volatility

The most volatile month in 2012 was July, with a trading range of 0.0651 BAM (High: 1.2877 / Low: 1.2225). On the other end, June was the most stable month, with a tight range of 0.0170 BAM (High: 1.2309 / Low: 1.2139).

July Spread (Volatile) ±0.0651

June Spread (Stable) ±0.0170

Growth Streaks & Declines

Trends

Between March and August, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 5 straight months. Conversely, the sharpest month-over-month decline occurred between August and September, when the average rate fell by 0.0300 points.

Longest Streak 5 Mo.

Sharpest MoM Drop -0.0300

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (August 2012: 1.2654) against the same month in 2011 (average: 1.1291), the exchange rate shifted by +0.1363 (+12.07%).

2012 Avg (August) 1.2654

2011 Avg (August) 1.1291

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	1.1976	1.1645	1.1859
February	1.1983	1.1605	1.1804
March	1.1887	1.1663	1.1779
April	1.1977	1.1681	1.1891
May	1.2285	1.1978	1.2118
June	1.2309	1.2139	1.2213
July	1.2877	1.2225	1.2633
August	1.2880	1.2441	1.2654
September	1.2501	1.2195	1.2353
October	1.2408	1.2217	1.2324
November	1.2592	1.2332	1.2467
December	1.2409	1.2099	1.2230