2020 LRD to MAD Historical Review

YEARLY HIGH

0.0585 MAD

YEARLY LOW

0.0457 MAD

YEARLY AVERAGE

0.0497 MAD

2020 LRD to MAD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the LRD to MAD exchange rate experienced significant fluctuation. The market reached its absolute peak on November 19, valuing the pair at 0.0585. Conversely, the yearly low was recorded on September 1, dropping to 0.0457.

This high-to-low spread represents a total annual volatility of 0.0128 MAD. From a start-to-finish perspective, comparing the January average rate of 0.0502 to the December average rate of 0.0557, the exchange rate registered a net change of 10.99% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.0585 was down 4.25% compared to the 2019 peak of 0.0611, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 293 MAD

2019 Average 261 MAD

Yearly Trough Low 229 MAD

Transaction Impact: A difference of 63.86 MAD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.0566

0.0454

JanuMarcMayJulySeptNove

LRD 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 0.0496, compared to 0.0498 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0002 points.

H1 Avg (Jan–Jun) 0.0496

H2 Avg (Jul–Dec) 0.0498

Volatility Range Comparison

Volatility

The most volatile month in 2020 was November, with a trading range of 0.0081 MAD (High: 0.0585 / Low: 0.0504). On the other end, May was the most stable month, with a tight range of 0.0007 MAD (High: 0.0499 / Low: 0.0493).

November Spread (Volatile) ±0.0081

May Spread (Stable) ±0.0007

Growth Streaks & Declines

Trends

Between September and December, 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 0.0016 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0016

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (November 2020: 0.0552) against the same month in 2019 (average: 0.0481), the exchange rate shifted by +0.0071 (+14.72%).

2020 Avg (November) 0.0552

2019 Avg (November) 0.0481

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0512	0.0492	0.0502
February	0.0495	0.0486	0.0492
March	0.0510	0.0476	0.0490
April	0.0520	0.0499	0.0512
May	0.0499	0.0493	0.0496
June	0.0492	0.0483	0.0486
July	0.0488	0.0468	0.0479
August	0.0469	0.0459	0.0463
September	0.0467	0.0457	0.0463
October	0.0505	0.0463	0.0474
November	0.0585	0.0504	0.0552
December	0.0576	0.0541	0.0557