2020 MAD to SAR Historical Review

YEARLY HIGH

0.4223 SAR

YEARLY LOW

0.3651 SAR

YEARLY AVERAGE

0.3956 SAR

2020 MAD to SAR Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the MAD to SAR exchange rate experienced significant fluctuation. The market reached its absolute peak on December 19, valuing the pair at 0.4223. Conversely, the yearly low was recorded on April 6, dropping to 0.3651.

This high-to-low spread represents a total annual volatility of 0.0572 SAR. From a start-to-finish perspective, comparing the January average rate of 0.3905 to the December average rate of 0.4177, 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 0.4223 was up 6.29% compared to the 2019 peak of 0.3973, 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 2,111 SAR

2019 Average 1,950 SAR

Yearly Trough Low 1,825 SAR

Transaction Impact: A difference of 285.92 SAR purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.4224

0.3665

JanuMarcMayJulySeptNove

MAD 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 0.3844, compared to 0.4069 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0225 points.

H1 Avg (Jan–Jun) 0.3844

H2 Avg (Jul–Dec) 0.4069

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.0257 SAR (High: 0.3983 / Low: 0.3726). On the other end, January was the most stable month, with a tight range of 0.0032 SAR (High: 0.3919 / Low: 0.3888).

March Spread (Volatile) ±0.0257

January Spread (Stable) ±0.0032

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 0.0168 points.

Longest Streak 8 Mo.

Sharpest MoM Drop -0.0168

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2020: 0.4177) against the same month in 2019 (average: 0.3898), the exchange rate shifted by +0.0279 (+7.15%).

2020 Avg (December) 0.4177

2019 Avg (December) 0.3898

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.3919	0.3888	0.3905
February	0.3910	0.3850	0.3877
March	0.3983	0.3726	0.3879
April	0.3801	0.3651	0.3711
May	0.3838	0.3789	0.3814
June	0.3897	0.3839	0.3877
July	0.4024	0.3860	0.3928
August	0.4099	0.4011	0.4062
September	0.4114	0.4036	0.4067
October	0.4099	0.4050	0.4074
November	0.4137	0.4057	0.4107
December	0.4223	0.4031	0.4177