2012 MAD to SGD Historical Review

YEARLY HIGH

0.1515 SGD

YEARLY LOW

0.1388 SGD

YEARLY AVERAGE

0.1447 SGD

2012 MAD to SGD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2012

During 2012, the MAD to SGD exchange rate experienced significant fluctuation. The market reached its absolute peak on January 1, valuing the pair at 0.1515. Conversely, the yearly low was recorded on August 3, dropping to 0.1388.

This high-to-low spread represents a total annual volatility of 0.0127 SGD. From a start-to-finish perspective, comparing the January average rate of 0.1485 to the December average rate of 0.1437, the exchange rate registered a net change of -3.25% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2012 high of 0.1515 was down 5.78% compared to the 2011 peak of 0.1608, 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 757 SGD

2011 Average 777 SGD

Yearly Trough Low 694 SGD

Transaction Impact: A difference of 63.51 SGD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2012.

0.1498

0.1395

JanuMarcMayJulySeptNove

MAD to SGD 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 0.1475, compared to 0.1420 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0055 points.

H1 Avg (Jan–Jun) 0.1475

H2 Avg (Jul–Dec) 0.1420

Volatility Range Comparison

Volatility

The most volatile month in 2012 was July, with a trading range of 0.0061 SGD (High: 0.1450 / Low: 0.1388). On the other end, June was the most stable month, with a tight range of 0.0016 SGD (High: 0.1458 / Low: 0.1442).

July Spread (Volatile) ±0.0061

June Spread (Stable) ±0.0016

Growth Streaks & Declines

Trends

Between January and March, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 2 straight months. Conversely, the sharpest month-over-month decline occurred between June and July, when the average rate fell by 0.0043 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0043

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2012: 0.1485) against the same month in 2011 (average: 0.1539), the exchange rate shifted by -0.0054 (-3.50%).

2012 Avg (January) 0.1485

2011 Avg (January) 0.1539

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.1515	0.1476	0.1485
February	0.1509	0.1467	0.1487
March	0.1501	0.1476	0.1490
April	0.1499	0.1466	0.1477
May	0.1469	0.1448	0.1458
June	0.1458	0.1442	0.1451
July	0.1450	0.1388	0.1408
August	0.1424	0.1388	0.1404
September	0.1438	0.1417	0.1427
October	0.1440	0.1419	0.1428
November	0.1427	0.1402	0.1415
December	0.1450	0.1422	0.1437