YEARLY HIGH
5.5752 MAD
YEARLY LOW
5.3022 MAD
YEARLY AVERAGE
5.4369 MAD

2021 BGN to MAD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the BGN to MAD exchange rate experienced significant fluctuation. The market reached its absolute peak on January 1, valuing the pair at 5.5752. Conversely, the yearly low was recorded on November 22, dropping to 5.3022.

This high-to-low spread represents a total annual volatility of 0.2730 MAD. From a start-to-finish perspective, comparing the January average rate of 5.5420 to the December average rate of 5.3473, the exchange rate registered a net change of -3.51% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2021 high of 5.5752 was down 3.54% compared to the 2020 peak of 5.7796, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 27,876 MAD
2020 Average 27,676 MAD
Yearly Trough Low 26,511 MAD
Transaction Impact: A difference of 1,365.14 MAD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

5.5619
5.3231
JanuMarcMayJulySeptNove

BGN to MAD 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 5.4966, compared to 5.3773 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.1192 points.

H1 Avg (Jan–Jun) 5.4966
H2 Avg (Jul–Dec) 5.3773

Volatility Range Comparison

Volatility

The most volatile month in 2021 was June, with a trading range of 0.1255 MAD (High: 5.5206 / Low: 5.3951). On the other end, February was the most stable month, with a tight range of 0.0274 MAD (High: 5.5427 / Low: 5.5154).

June Spread (Volatile) ±0.1255
February Spread (Stable) ±0.0274

Growth Streaks & Declines

Trends

No sustained consecutive month-over-month growth streak of 2+ months occurred in 2021. Conversely, the sharpest month-over-month decline occurred between February and March, when the average rate fell by 0.0544 points.

Longest Streak 1 Mo.
Sharpest MoM Drop -0.0544

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2021: 5.5420) against the same month in 2020 (average: 5.4541), the exchange rate shifted by +0.0878 (+1.61%).

2021 Avg (January) 5.5420
2020 Avg (January) 5.4541

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 5.5752 5.4825 5.5420
February 5.5427 5.5154 5.5321
March 5.5202 5.4257 5.4778
April 5.5112 5.4341 5.4745
May 5.5346 5.4716 5.4976
June 5.5206 5.3951 5.4555
July 5.4239 5.3911 5.4062
August 5.4199 5.3663 5.3971
September 5.4228 5.3674 5.4012
October 5.4064 5.3358 5.3691
November 5.3852 5.3022 5.3430
December 5.3879 5.3124 5.3473