YEARLY HIGH
1.1522 MAD
YEARLY LOW
1.0936 MAD
YEARLY AVERAGE
1.1206 MAD

2021 SBD to MAD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the SBD to MAD exchange rate experienced significant fluctuation. The market reached its absolute peak on December 18, valuing the pair at 1.1522. Conversely, the yearly low was recorded on January 7, dropping to 1.0936.

This high-to-low spread represents a total annual volatility of 0.0586 MAD. From a start-to-finish perspective, comparing the January average rate of 1.1126 to the December average rate of 1.1443, the exchange rate registered a net change of 2.84% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 1.1522 was down 7.15% compared to the 2020 peak of 1.2409, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

Comparing the value generated converting 5,000 SBD based on timing:

Yearly Peak High 5,761 MAD
2020 Average 5,766 MAD
Yearly Trough Low 5,468 MAD
Transaction Impact: A difference of 292.79 MAD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

1.1478
1.1051
JanuMarcMayJulySeptNove

SBD to MAD 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: JanтАУJun) was 1.1167, compared to 1.1245 in the second half (H2: JulтАУDec). This shows that the rate was stronger in the second half (JulтАУDec) by a margin of 0.0077 points.

H1 Avg (JanтАУJun) 1.1167
H2 Avg (JulтАУDec) 1.1245

Volatility Range Comparison

Volatility

The most volatile month in 2021 was March, with a trading range of 0.0418 MAD (High: 1.1381 / Low: 1.0963). On the other end, October was the most stable month, with a tight range of 0.0101 MAD (High: 1.1303 / Low: 1.1202).

March Spread (Volatile) ┬▒0.0418
October Spread (Stable) ┬▒0.0101

Growth Streaks & Declines

Trends

Between September and December, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 3 straight months. Conversely, the sharpest month-over-month decline occurred between April and May, when the average rate fell by 0.0107 points.

Longest Streak 3 Mo.
Sharpest MoM Drop -0.0107

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2021: 1.1443) against the same month in 2020 (average: 1.1169), the exchange rate shifted by +0.0273 (+2.45%).

2021 Avg (December) 1.1443
2020 Avg (December) 1.1169

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Month High Low Average
January 1.1254 1.0936 1.1126
February 1.1240 1.1113 1.1175
March 1.1381 1.0963 1.1292
April 1.1342 1.1125 1.1216
May 1.1265 1.1042 1.1109
June 1.1147 1.1031 1.1087
July 1.1167 1.1060 1.1121
August 1.1187 1.1043 1.1138
September 1.1245 1.1065 1.1129
October 1.1303 1.1202 1.1247
November 1.1493 1.1281 1.1391
December 1.1522 1.1390 1.1443