2020 GEL to SAR Historical Review

YEARLY HIGH

1.3498 SAR

YEARLY LOW

1.0855 SAR

YEARLY AVERAGE

1.2089 SAR

2020 GEL to SAR Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the GEL to SAR exchange rate experienced significant fluctuation. The market reached its absolute peak on February 25, valuing the pair at 1.3498. Conversely, the yearly low was recorded on March 25, dropping to 1.0855.

This high-to-low spread represents a total annual volatility of 0.2644 SAR. From a start-to-finish perspective, comparing the January average rate of 1.3037 to the December average rate of 1.1389, the exchange rate registered a net change of -12.64% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 1.3498 was down 5.16% compared to the 2019 peak of 1.4234, 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 6,749 SAR

2019 Average 6,670 SAR

Yearly Trough Low 5,427 SAR

Transaction Impact: A difference of 1,321.83 SAR purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

1.3385

1.1115

JanuMarcMayJulySeptNove

GEL to SAR 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 1.2432, compared to 1.1746 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0686 points.

H1 Avg (Jan–Jun) 1.2432

H2 Avg (Jul–Dec) 1.1746

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.2621 SAR (High: 1.3476 / Low: 1.0855). On the other end, August was the most stable month, with a tight range of 0.0091 SAR (High: 1.2158 / Low: 1.2067).

March Spread (Volatile) ±0.2621

August Spread (Stable) ±0.0091

Growth Streaks & Declines

Trends

No sustained consecutive month-over-month growth streak of 2+ months occurred in 2020. Conversely, the sharpest month-over-month decline occurred between March and April, when the average rate fell by 0.0714 points.

Longest Streak 1 Mo.

Sharpest MoM Drop -0.0714

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (February 2020: 1.3196) against the same month in 2019 (average: 1.4139), the exchange rate shifted by -0.0943 (-6.67%).

2020 Avg (February) 1.3196

2019 Avg (February) 1.4139

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	1.3161	1.2959	1.3037
February	1.3498	1.2982	1.3196
March	1.3476	1.0855	1.2529
April	1.1970	1.1452	1.1815
May	1.1800	1.1665	1.1729
June	1.2729	1.1769	1.2286
July	1.2279	1.2119	1.2207
August	1.2158	1.2067	1.2133
September	1.2197	1.1195	1.1810
October	1.1705	1.1452	1.1631
November	1.1575	1.0967	1.1305
December	1.1469	1.1281	1.1389