2021 MAD to PLN Historical Review

YEARLY HIGH

0.4538 PLN

YEARLY LOW

0.4129 PLN

YEARLY AVERAGE

0.4294 PLN

2021 MAD to PLN Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the MAD to PLN exchange rate experienced significant fluctuation. The market reached its absolute peak on November 22, valuing the pair at 0.4538. Conversely, the yearly low was recorded on June 2, dropping to 0.4129.

This high-to-low spread represents a total annual volatility of 0.0410 PLN. From a start-to-finish perspective, comparing the January average rate of 0.4186 to the December average rate of 0.4410, the exchange rate registered a net change of 5.37% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 0.4538 was up 4.07% compared to the 2020 peak of 0.4361, 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 2,269 PLN

2020 Average 2,052 PLN

Yearly Trough Low 2,064 PLN

Transaction Impact: A difference of 204.82 PLN purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

0.4481

0.4127

JanuMarcMayJulySeptNove

MAD to PLN 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 0.4220, compared to 0.4367 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0147 points.

H1 Avg (Jan–Jun) 0.4220

H2 Avg (Jul–Dec) 0.4367

Volatility Range Comparison

Volatility

The most volatile month in 2021 was November, with a trading range of 0.0191 PLN (High: 0.4538 / Low: 0.4347). On the other end, February was the most stable month, with a tight range of 0.0053 PLN (High: 0.4189 / Low: 0.4136).

November Spread (Volatile) ±0.0191

February Spread (Stable) ±0.0053

Growth Streaks & Declines

Trends

Between May and November, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 6 straight months. Conversely, the sharpest month-over-month decline occurred between April and May, when the average rate fell by 0.0052 points.

Longest Streak 6 Mo.

Sharpest MoM Drop -0.0052

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (November 2021: 0.4452) against the same month in 2020 (average: 0.4155), the exchange rate shifted by +0.0297 (+7.14%).

2021 Avg (November) 0.4452

2020 Avg (November) 0.4155

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.4221	0.4163	0.4186
February	0.4189	0.4136	0.4156
March	0.4379	0.4203	0.4294
April	0.4327	0.4232	0.4259
May	0.4274	0.4138	0.4207
June	0.4310	0.4129	0.4221
July	0.4353	0.4251	0.4313
August	0.4360	0.4287	0.4327
September	0.4427	0.4253	0.4328
October	0.4416	0.4341	0.4373
November	0.4538	0.4347	0.4452
December	0.4442	0.4348	0.4410