2020 PHP to MAD Historical Review

YEARLY HIGH

0.2035 MAD

YEARLY LOW

0.1842 MAD

YEARLY AVERAGE

0.1914 MAD

2020 PHP to MAD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the PHP to MAD exchange rate experienced significant fluctuation. The market reached its absolute peak on April 6, valuing the pair at 0.2035. Conversely, the yearly low was recorded on December 20, dropping to 0.1842.

This high-to-low spread represents a total annual volatility of 0.0193 MAD. From a start-to-finish perspective, comparing the January average rate of 0.1890 to the December average rate of 0.1868, the exchange rate registered a net change of -1.16% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.2035 was up 6.34% compared to the 2019 peak of 0.1913, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

Comparing the value generated converting 250,000 PHP based on timing:

Yearly Peak High 50,864 MAD

2019 Average 46,445 MAD

Yearly Trough Low 46,045 MAD

Transaction Impact: A difference of 4,818.95 MAD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.2014

0.1855

JanuMarcMayJulySeptNove

PHP 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 0.1930, compared to 0.1898 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0032 points.

H1 Avg (Jan–Jun) 0.1930

H2 Avg (Jul–Dec) 0.1898

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.0134 MAD (High: 0.1988 / Low: 0.1854). On the other end, November was the most stable month, with a tight range of 0.0025 MAD (High: 0.1908 / Low: 0.1884).

March Spread (Volatile) ±0.0134

November Spread (Stable) ±0.0025

Growth Streaks & Declines

Trends

No sustained consecutive month-over-month growth streak of 2+ months occurred in 2020. Conversely, the sharpest month-over-month decline occurred between April and May, when the average rate fell by 0.0051 points.

Longest Streak 1 Mo.

Sharpest MoM Drop -0.0051

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (April 2020: 0.2000) against the same month in 2019 (average: 0.1855), the exchange rate shifted by +0.0145 (+7.84%).

2020 Avg (April) 0.2000

2019 Avg (April) 0.1855

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.1901	0.1875	0.1890
February	0.1925	0.1881	0.1905
March	0.1988	0.1854	0.1902
April	0.2035	0.1960	0.2000
May	0.1973	0.1930	0.1950
June	0.1949	0.1913	0.1934
July	0.1957	0.1895	0.1933
August	0.1905	0.1880	0.1893
September	0.1918	0.1876	0.1901
October	0.1914	0.1885	0.1898
November	0.1908	0.1884	0.1893
December	0.1937	0.1842	0.1868