2020 MAD to IRR Historical Review

YEARLY HIGH

6858.9550 IRR

YEARLY LOW

4087.5268 IRR

YEARLY AVERAGE

4446.3051 IRR

2020 MAD to IRR Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the MAD to IRR exchange rate experienced significant fluctuation. The market reached its absolute peak on July 7, valuing the pair at 6858.9550. Conversely, the yearly low was recorded on April 6, dropping to 4087.5268.

This high-to-low spread represents a total annual volatility of 2771.4282 IRR. From a start-to-finish perspective, comparing the January average rate of 4382.5488 to the December average rate of 4688.0486, the exchange rate registered a net change of 6.97% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 6858.9550 was up 50.87% compared to the 2019 peak of 4546.3082, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 34,294,775 IRR

2019 Average 21,920,304 IRR

Yearly Trough Low 20,437,634 IRR

Transaction Impact: A difference of 13,857,141.16 IRR purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

4741.2901

4102.3913

JanuMarcMayJulySeptNove

MAD to IRR 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 4311.2475, compared to 4581.3627 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 270.1152 points.

H1 Avg (Jan–Jun) 4311.2475

H2 Avg (Jul–Dec) 4581.3627

Volatility Range Comparison

Volatility

The most volatile month in 2020 was July, with a trading range of 2521.2484 IRR (High: 6858.9550 / Low: 4337.7066). On the other end, January was the most stable month, with a tight range of 35.5130 IRR (High: 4399.1776 / Low: 4363.6646).

July Spread (Volatile) ±2521.2484

January Spread (Stable) ±35.5130

Growth Streaks & Declines

Trends

Between April and December, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 8 straight months. Conversely, the sharpest month-over-month decline occurred between March and April, when the average rate fell by 195.5979 points.

Longest Streak 8 Mo.

Sharpest MoM Drop -195.5979

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (July 2020: 4490.0344) against the same month in 2019 (average: 4390.5326), the exchange rate shifted by +99.5017 (+2.27%).

2020 Avg (July) 4490.0344

2019 Avg (July) 4390.5326

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	4399.1776	4363.6646	4382.5488
February	4391.3779	4322.0610	4351.8543
March	4467.6902	4166.5430	4351.2307
April	4259.5177	4087.5268	4155.6328
May	4303.8153	4247.8814	4275.7966
June	4373.7148	4305.7404	4350.4218
July	6858.9550	4337.7066	4490.0344
August	4602.2530	4502.1266	4560.4117
September	4617.8837	4530.8633	4565.6299
October	4601.6393	4546.5196	4573.2811
November	4644.7876	4554.7247	4610.7702
December	4740.8473	4524.8222	4688.0486