2021 XDR to BAM Historical Review

YEARLY HIGH

2.4433 BAM

YEARLY LOW

2.2914 BAM

YEARLY AVERAGE

2.3559 BAM

2021 XDR to BAM Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the XDR to BAM exchange rate experienced significant fluctuation. The market reached its absolute peak on November 24, valuing the pair at 2.4433. Conversely, the yearly low was recorded on January 4, dropping to 2.2914.

This high-to-low spread represents a total annual volatility of 0.1519 BAM. From a start-to-finish perspective, comparing the January average rate of 2.3162 to the December average rate of 2.4254, the exchange rate registered a net change of 4.71% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 2.4433 was down 1.28% compared to the 2020 peak of 2.4750, 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 12,217 BAM

2020 Average 11,946 BAM

Yearly Trough Low 11,457 BAM

Transaction Impact: A difference of 759.64 BAM purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

2.4363

2.3053

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 2.3304, compared to 2.3814 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0510 points.

H1 Avg (Jan–Jun) 2.3304

H2 Avg (Jul–Dec) 2.3814

Volatility Range Comparison

Volatility

The most volatile month in 2021 was November, with a trading range of 0.0671 BAM (High: 2.4433 / Low: 2.3762). On the other end, December was the most stable month, with a tight range of 0.0178 BAM (High: 2.4352 / Low: 2.4173).

November Spread (Volatile) ±0.0671

December Spread (Stable) ±0.0178

Growth Streaks & Declines

Trends

Between May and August, 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 April and May, when the average rate fell by 0.0205 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0205

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (November 2021: 2.4089) against the same month in 2020 (average: 2.3491), the exchange rate shifted by +0.0598 (+2.55%).

2021 Avg (November) 2.4089

2020 Avg (November) 2.3491

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	2.3353	2.2914	2.3162
February	2.3418	2.3200	2.3297
March	2.3644	2.3326	2.3474
April	2.3628	2.3232	2.3397
May	2.3343	2.3077	2.3192
June	2.3522	2.3133	2.3303
July	2.3625	2.3357	2.3534
August	2.3730	2.3451	2.3615
September	2.3812	2.3384	2.3586
October	2.3902	2.3719	2.3806
November	2.4433	2.3762	2.4089
December	2.4352	2.4173	2.4254