2020 HNL to SAR Historical Review

YEARLY HIGH

0.1554 SAR

YEARLY LOW

0.1482 SAR

YEARLY AVERAGE

0.1517 SAR

2020 HNL to SAR Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HNL to SAR exchange rate experienced significant fluctuation. The market reached its absolute peak on December 27, valuing the pair at 0.1554. Conversely, the yearly low was recorded on January 14, dropping to 0.1482.

This high-to-low spread represents a total annual volatility of 0.0071 SAR. From a start-to-finish perspective, comparing the January average rate of 0.1514 to the December average rate of 0.1547, the exchange rate registered a net change of 2.24% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.1554 was down 38.39% compared to the 2019 peak of 0.2522, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 777 SAR

2019 Average 764 SAR

Yearly Trough Low 741 SAR

Transaction Impact: A difference of 35.74 SAR purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.1552

0.1500

JanuMarcMayJulySeptNove

HNL 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 0.1509, compared to 0.1526 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0017 points.

H1 Avg (Jan–Jun) 0.1509

H2 Avg (Jul–Dec) 0.1526

Volatility Range Comparison

Volatility

The most volatile month in 2020 was January, with a trading range of 0.0045 SAR (High: 0.1527 / Low: 0.1482). On the other end, October was the most stable month, with a tight range of 0.0010 SAR (High: 0.1532 / Low: 0.1522).

January Spread (Volatile) ±0.0045

October Spread (Stable) ±0.0010

Growth Streaks & Declines

Trends

Between May and December, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 7 straight months. Conversely, the sharpest month-over-month decline occurred between April and May, when the average rate fell by 0.0005 points.

Longest Streak 7 Mo.

Sharpest MoM Drop -0.0005

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2020: 0.1547) against the same month in 2019 (average: 0.1550), the exchange rate shifted by -0.0003 (-0.16%).

2020 Avg (December) 0.1547

2019 Avg (December) 0.1550

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.1527	0.1482	0.1514
February	0.1524	0.1503	0.1511
March	0.1532	0.1502	0.1509
April	0.1518	0.1504	0.1509
May	0.1514	0.1501	0.1504
June	0.1512	0.1502	0.1505
July	0.1516	0.1503	0.1508
August	0.1526	0.1503	0.1517
September	0.1523	0.1512	0.1518
October	0.1532	0.1522	0.1526
November	0.1546	0.1526	0.1537
December	0.1554	0.1543	0.1547