YEARLY HIGH
3.4399 MAD
YEARLY LOW
3.1019 MAD
YEARLY AVERAGE
3.2739 MAD

2012 PEN to MAD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2012

During 2012, the PEN to MAD exchange rate experienced significant fluctuation. The market reached its absolute peak on July 16, valuing the pair at 3.4399. Conversely, the yearly low was recorded on February 26, dropping to 3.1019.

This high-to-low spread represents a total annual volatility of 0.3380 MAD. From a start-to-finish perspective, comparing the January average rate of 3.1979 to the December average rate of 3.3089, the exchange rate registered a net change of 3.47% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2012 high of 3.4399 was up 7.89% compared to the 2011 peak of 3.1882, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 17,199 MAD
2011 Average 14,696 MAD
Yearly Trough Low 15,509 MAD
Transaction Impact: A difference of 1,690.04 MAD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2012.

3.4233
3.1168
JanuMarcMayJulySeptNove

PEN 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: Jan–Jun) was 3.2052, compared to 3.3426 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.1375 points.

H1 Avg (Jan–Jun) 3.2052
H2 Avg (Jul–Dec) 3.3426

Volatility Range Comparison

Volatility

The most volatile month in 2012 was July, with a trading range of 0.1526 MAD (High: 3.4399 / Low: 3.2873). On the other end, October was the most stable month, with a tight range of 0.0415 MAD (High: 3.3307 / Low: 3.2892).

July Spread (Volatile) ±0.1526
October Spread (Stable) ±0.0415

Growth Streaks & Declines

Trends

Between February and August, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 6 straight months. Conversely, the sharpest month-over-month decline occurred between August and September, when the average rate fell by 0.0824 points.

Longest Streak 6 Mo.
Sharpest MoM Drop -0.0824

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (July 2012: 3.3962) against the same month in 2011 (average: 2.8880), the exchange rate shifted by +0.5082 (+17.60%).

2012 Avg (July) 3.3962
2011 Avg (July) 2.8880

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 3.2461 3.1440 3.1979
February 3.1834 3.1019 3.1423
March 3.1956 3.1350 3.1616
April 3.2049 3.1390 3.1871
May 3.2838 3.1947 3.2463
June 3.3288 3.2673 3.2957
July 3.4399 3.2873 3.3962
August 3.4293 3.3595 3.3977
September 3.3763 3.2687 3.3153
October 3.3307 3.2892 3.3089
November 3.3577 3.3022 3.3289
December 3.3392 3.2784 3.3089