2015 MAD to SGD Historical Review

YEARLY HIGH

0.1480 SGD

YEARLY LOW

0.1342 SGD

YEARLY AVERAGE

0.1410 SGD

2015 MAD to SGD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2015

During 2015, the MAD to SGD exchange rate experienced significant fluctuation. The market reached its absolute peak on August 24, valuing the pair at 0.1480. Conversely, the yearly low was recorded on April 28, dropping to 0.1342.

This high-to-low spread represents a total annual volatility of 0.0138 SGD. From a start-to-finish perspective, comparing the January average rate of 0.1428 to the December average rate of 0.1423, the exchange rate registered a net change of -0.33% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2015 high of 0.1480 was down 5.50% compared to the 2014 peak of 0.1566, 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 740 SGD

2014 Average 754 SGD

Yearly Trough Low 671 SGD

Transaction Impact: A difference of 68.82 SGD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2015.

0.1469

0.1350

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 0.1393, compared to 0.1427 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0034 points.

H1 Avg (Jan–Jun) 0.1393

H2 Avg (Jul–Dec) 0.1427

Volatility Range Comparison

Volatility

The most volatile month in 2015 was August, with a trading range of 0.0082 SGD (High: 0.1480 / Low: 0.1398). On the other end, May was the most stable month, with a tight range of 0.0017 SGD (High: 0.1379 / Low: 0.1362).

August Spread (Volatile) ±0.0082

May Spread (Stable) ±0.0017

Growth Streaks & Declines

Trends

Between April and June, 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 March and April, when the average rate fell by 0.0031 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0031

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (August 2015: 0.1434) against the same month in 2014 (average: 0.1489), the exchange rate shifted by -0.0055 (-3.71%).

2015 Avg (August) 0.1434

2014 Avg (August) 0.1489

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.1461	0.1392	0.1428
February	0.1429	0.1411	0.1421
March	0.1415	0.1373	0.1391
April	0.1380	0.1342	0.1360
May	0.1379	0.1362	0.1371
June	0.1400	0.1375	0.1389
July	0.1400	0.1380	0.1387
August	0.1480	0.1398	0.1434
September	0.1472	0.1446	0.1459
October	0.1475	0.1421	0.1443
November	0.1429	0.1400	0.1417
December	0.1436	0.1401	0.1423