2020 BOB to MAD Historical Review

YEARLY HIGH

1.4940 MAD

YEARLY LOW

1.2890 MAD

YEARLY AVERAGE

1.3758 MAD

2020 BOB to MAD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the BOB to MAD exchange rate experienced significant fluctuation. The market reached its absolute peak on April 6, valuing the pair at 1.4940. Conversely, the yearly low was recorded on December 19, dropping to 1.2890.

This high-to-low spread represents a total annual volatility of 0.2051 MAD. From a start-to-finish perspective, comparing the January average rate of 1.3894 to the December average rate of 1.3029, the exchange rate registered a net change of -6.22% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 1.4940 was up 5.99% compared to the 2019 peak of 1.4096, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 7,470 MAD

2019 Average 6,957 MAD

Yearly Trough Low 6,445 MAD

Transaction Impact: A difference of 1,025.28 MAD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

1.4865

1.2863

JanuMarcMayJulySeptNove

BOB 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 1.4156, compared to 1.3360 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0795 points.

H1 Avg (Jan–Jun) 1.4156

H2 Avg (Jul–Dec) 1.3360

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.0971 MAD (High: 1.4630 / Low: 1.3658). On the other end, January was the most stable month, with a tight range of 0.0109 MAD (High: 1.3954 / Low: 1.3845).

March Spread (Volatile) ±0.0971

January Spread (Stable) ±0.0109

Growth Streaks & Declines

Trends

Between January and April, 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 July and August, when the average rate fell by 0.0456 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0456

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (April 2020: 1.4698) against the same month in 2019 (average: 1.3935), the exchange rate shifted by +0.0763 (+5.48%).

2020 Avg (April) 1.4698

2019 Avg (April) 1.3935

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	1.3954	1.3845	1.3894
February	1.4086	1.3879	1.3994
March	1.4630	1.3658	1.4058
April	1.4940	1.4335	1.4698
May	1.4380	1.4175	1.4280
June	1.4167	1.3916	1.4012
July	1.4065	1.3482	1.3829
August	1.3554	1.3275	1.3374
September	1.3456	1.3210	1.3356
October	1.3415	1.3248	1.3334
November	1.3365	1.3128	1.3241
December	1.3454	1.2890	1.3029