2020 XDR to BAM Historical Review

YEARLY HIGH

2.4750 BAM

YEARLY LOW

2.2953 BAM

YEARLY AVERAGE

2.3896 BAM

2020 XDR to BAM Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the XDR to BAM exchange rate experienced significant fluctuation. The market reached its absolute peak on February 19, valuing the pair at 2.4750. Conversely, the yearly low was recorded on December 30, dropping to 2.2953.

This high-to-low spread represents a total annual volatility of 0.1797 BAM. From a start-to-finish perspective, comparing the January average rate of 2.4308 to the December average rate of 2.3116, the exchange rate registered a net change of -4.90% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 2.4750 was up 1.20% compared to the 2019 peak of 2.4456, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 12,375 BAM

2019 Average 12,087 BAM

Yearly Trough Low 11,477 BAM

Transaction Impact: A difference of 898.44 BAM purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

2.4699

2.2973

JanuMarcMayJulySeptNove

XDR 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 2.4355, compared to 2.3436 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0919 points.

H1 Avg (Jan–Jun) 2.4355

H2 Avg (Jul–Dec) 2.3436

Volatility Range Comparison

Volatility

The most volatile month in 2020 was July, with a trading range of 0.0773 BAM (High: 2.4032 / Low: 2.3259). On the other end, January was the most stable month, with a tight range of 0.0265 BAM (High: 2.4445 / Low: 2.4180).

July Spread (Volatile) ±0.0773

January Spread (Stable) ±0.0265

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 0.0496 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0496

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (February 2020: 2.4548) against the same month in 2019 (average: 2.4043), the exchange rate shifted by +0.0505 (+2.10%).

2020 Avg (February) 2.4548

2019 Avg (February) 2.4043

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	2.4445	2.4180	2.4308
February	2.4750	2.4334	2.4548
March	2.4675	2.3907	2.4263
April	2.4678	2.4410	2.4555
May	2.4672	2.4046	2.4475
June	2.4150	2.3800	2.3979
July	2.4032	2.3259	2.3755
August	2.3502	2.3174	2.3351
September	2.3614	2.3184	2.3419
October	2.3686	2.3313	2.3484
November	2.3681	2.3295	2.3491
December	2.3361	2.2953	2.3116