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BAM

Bosnia-Herzegovina Convertible Mark

BAM · Bosnia and Herzegovina

32
Moderate
Risk
Historical Scores
263952Jul 2021Jul 2025Jul 2026
What does this mean for you?

The Bosnia-Herzegovina Convertible Mark is in decent shape overall, scoring 32 out of 100. There are some areas to watch, but no immediate danger. Your money is holding its value reasonably well compared to most currencies.

You need at least 7.6%/yr returns. Money in a basic account is slowly losing value. Calculator ↓

Inflation
6.1%
Debt / GDP
39.7%
GDP Growth
2.1%
FX Volatility
7.4
Governance
Not available
Reserves
6.5 mo
Analysis
What's working well
Government debt is low — less pressure to print money
Healthy foreign currency reserves as a safety net
What to watch out for
No major concerns
Full Bosnia and Herzegovina analysis →

Savings Impact Calculator

BAM
Holding cash in BAM6.1% inflation
BAM 744−BAM 256 (26% purchasing power lost)
Your BAM 1,000 buys 26% less in 5 years
What if you invested BAM 1,000 instead? (5yr, in BAM terms)
USD-denominated assets gain an additional ~3.1%/yr from expected BAM depreciation vs USD
Hold USD Cash
BAM 1005
+BAM 5
+0.1%/yr net in BAM
S&P 500
BAM 1851
+BAM 851
range: BAM 863–BAM 3587
10% USD return + 3.1% FX · ±16% vol
Gold
BAM 1693
+BAM 693
range: BAM 501–BAM 4502
8% USD return + 3.1% FX · ±24% vol
Bitcoin
BAM 3450
+BAM 2450
range: BAM 223–BAM 20.0k
25% USD return + 3.1% FX · ±54% vol

All values in BAM. USD-denominated assets (S&P 500, Gold, Bitcoin) include an estimated FX gain of ~3.1%/yr based on the inflation differential between Bosnia and Herzegovina (6.1%) and the US (~3%). This uses purchasing power parity as a long-run approximation — actual FX movements can differ significantly in the short term. S&P 500 based on 1957-2024, Gold on 2000-2024, Bitcoin on 2015-2024. Past performance does not guarantee future results. Not financial advice.

Holding other assets too? Calculate your full portfolio risk →
This score is based on our 12-factor risk model. Think inflation or debt should matter more? Build your own model with custom weights and see how BAM ranks differently.
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