2020 SGD to BAM Historical Review

YEARLY HIGH

1.3101 BAM

YEARLY LOW

1.1955 BAM

YEARLY AVERAGE

1.2441 BAM

2020 SGD to BAM Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the SGD to BAM exchange rate experienced significant fluctuation. The market reached its absolute peak on January 20, valuing the pair at 1.3101. Conversely, the yearly low was recorded on August 19, dropping to 1.1955.

This high-to-low spread represents a total annual volatility of 0.1145 BAM. From a start-to-finish perspective, comparing the January average rate of 1.3040 to the December average rate of 1.2064, the exchange rate registered a net change of -7.48% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 1.3101 was up 0.27% compared to the 2019 peak of 1.3066, 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 6,550 BAM

2019 Average 6,403 BAM

Yearly Trough Low 5,978 BAM

Transaction Impact: A difference of 572.67 BAM purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

1.3137

1.1966

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 1.2699, compared to 1.2183 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0517 points.

H1 Avg (Jan–Jun) 1.2699

H2 Avg (Jul–Dec) 1.2183

Volatility Range Comparison

Volatility

The most volatile month in 2020 was July, with a trading range of 0.0530 BAM (High: 1.2531 / Low: 1.2001). On the other end, October was the most stable month, with a tight range of 0.0145 BAM (High: 1.2288 / Low: 1.2143).

July Spread (Volatile) ±0.0530

October Spread (Stable) ±0.0145

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 February and March, when the average rate fell by 0.0419 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0419

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2020: 1.3040) against the same month in 2019 (average: 1.2624), the exchange rate shifted by +0.0416 (+3.29%).

2020 Avg (January) 1.3040

2019 Avg (January) 1.2624

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	1.3101	1.2944	1.3040
February	1.2996	1.2769	1.2904
March	1.2743	1.2280	1.2486
April	1.2779	1.2461	1.2648
May	1.2823	1.2440	1.2649
June	1.2545	1.2338	1.2470
July	1.2531	1.2001	1.2321
August	1.2185	1.1955	1.2081
September	1.2239	1.1985	1.2135
October	1.2288	1.2143	1.2225
November	1.2350	1.2180	1.2272
December	1.2220	1.1969	1.2064