2020 MAD to SBD Historical Review

YEARLY HIGH

0.9070 SBD

YEARLY LOW

0.8059 SBD

YEARLY AVERAGE

0.8676 SBD

2020 MAD to SBD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the MAD to SBD exchange rate experienced significant fluctuation. The market reached its absolute peak on December 17, valuing the pair at 0.9070. Conversely, the yearly low was recorded on April 5, dropping to 0.8059.

This high-to-low spread represents a total annual volatility of 0.1011 SBD. From a start-to-finish perspective, comparing the January average rate of 0.8620 to the December average rate of 0.8954, the exchange rate registered a net change of 3.87% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.9070 was up 4.41% compared to the 2019 peak of 0.8687, 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 4,535 SBD

2019 Average 4,264 SBD

Yearly Trough Low 4,029 SBD

Transaction Impact: A difference of 505.51 SBD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.9029

0.8130

JanuMarcMayJulySeptNove

MAD to SBD 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 0.8496, compared to 0.8857 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0360 points.

H1 Avg (Jan–Jun) 0.8496

H2 Avg (Jul–Dec) 0.8857

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.0770 SBD (High: 0.8944 / Low: 0.8175). On the other end, October was the most stable month, with a tight range of 0.0116 SBD (High: 0.8872 / Low: 0.8756).

March Spread (Volatile) ±0.0770

October Spread (Stable) ±0.0116

Growth Streaks & Declines

Trends

Between April and August, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 4 straight months. Conversely, the sharpest month-over-month decline occurred between March and April, when the average rate fell by 0.0349 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.0349

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2020: 0.8954) against the same month in 2019 (average: 0.8609), the exchange rate shifted by +0.0344 (+4.00%).

2020 Avg (December) 0.8954

2019 Avg (December) 0.8609

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.8668	0.8498	0.8620
February	0.8616	0.8442	0.8530
March	0.8944	0.8175	0.8554
April	0.8396	0.8059	0.8204
May	0.8522	0.8345	0.8453
June	0.8656	0.8540	0.8615
July	0.8855	0.8597	0.8713
August	0.9035	0.8803	0.8942
September	0.9065	0.8759	0.8871
October	0.8872	0.8756	0.8822
November	0.8884	0.8741	0.8838
December	0.9070	0.8634	0.8954