YEARLY HIGH
6.0127 NAD
YEARLY LOW
4.4143 NAD
YEARLY AVERAGE
5.3003 NAD

2020 GEL to NAD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the GEL to NAD exchange rate experienced significant fluctuation. The market reached its absolute peak on April 21, valuing the pair at 6.0127. Conversely, the yearly low was recorded on December 19, dropping to 4.4143.

This high-to-low spread represents a total annual volatility of 1.5984 NAD. From a start-to-finish perspective, comparing the January average rate of 4.9888 to the December average rate of 4.5157, the exchange rate registered a net change of -9.48% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 6.0127 was down 55.26% compared to the 2019 peak of 13.4394, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 30,063 NAD
2019 Average 25,777 NAD
Yearly Trough Low 22,071 NAD
Transaction Impact: A difference of 7,992.17 NAD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

5.9629
4.3842
JanuMarcMayJulySeptNove

GEL to NAD 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 5.4827, compared to 5.1178 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.3648 points.

H1 Avg (Jan–Jun) 5.4827
H2 Avg (Jul–Dec) 5.1178

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.9348 NAD (High: 5.9319 / Low: 4.9971). On the other end, December was the most stable month, with a tight range of 0.2107 NAD (High: 4.6250 / Low: 4.4143).

March Spread (Volatile) ±0.9348
December Spread (Stable) ±0.2107

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 October and November, when the average rate fell by 0.4682 points.

Longest Streak 3 Mo.
Sharpest MoM Drop -0.4682

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (April 2020: 5.8313) against the same month in 2019 (average: 5.2578), the exchange rate shifted by +0.5736 (+10.91%).

2020 Avg (April) 5.8313
2019 Avg (April) 5.2578

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 5.1142 4.8901 4.9888
February 5.5197 5.1142 5.2678
March 5.9319 4.9971 5.5283
April 6.0127 5.4673 5.8313
May 5.8287 5.4429 5.6759
June 5.7013 5.3072 5.6040
July 5.5777 5.3506 5.4502
August 5.7342 5.3592 5.6104
September 5.6168 5.0466 5.2896
October 5.6324 4.9877 5.1547
November 5.0340 4.6033 4.6865
December 4.6250 4.4143 4.5157