2020 SAR to NGN Historical Review

YEARLY HIGH

105.2367 NGN

YEARLY LOW

96.3175 NGN

YEARLY AVERAGE

101.3243 NGN

2020 SAR to NGN Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the SAR to NGN exchange rate experienced significant fluctuation. The market reached its absolute peak on December 25, valuing the pair at 105.2367. Conversely, the yearly low was recorded on January 16, dropping to 96.3175.

This high-to-low spread represents a total annual volatility of 8.9192 NGN. From a start-to-finish perspective, comparing the January average rate of 96.5646 to the December average rate of 102.3213, the exchange rate registered a net change of 5.96% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 105.2367 was up 7.96% compared to the 2019 peak of 97.4763, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 526,183 NGN

2019 Average 479,997 NGN

Yearly Trough Low 481,587 NGN

Transaction Impact: A difference of 44,596.16 NGN purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

104.2832

95.8629

JanuMarcMayJulySeptNove

SAR to NGN 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 100.2545, compared to 102.3941 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 2.1396 points.

H1 Avg (Jan–Jun) 100.2545

H2 Avg (Jul–Dec) 102.3941

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 7.0241 NGN (High: 103.9749 / Low: 96.9508). On the other end, June was the most stable month, with a tight range of 0.4934 NGN (High: 103.4154 / Low: 102.9220).

March Spread (Volatile) ±7.0241

June Spread (Stable) ±0.4934

Growth Streaks & Declines

Trends

Between January and May, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 4 straight months. Conversely, the sharpest month-over-month decline occurred between July and August, when the average rate fell by 0.6348 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.6348

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2020: 102.3213) against the same month in 2019 (average: 96.6730), the exchange rate shifted by +5.6483 (+5.84%).

2020 Avg (December) 102.3213

2019 Avg (December) 96.6730

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	97.5953	96.3175	96.5646
February	97.4894	96.4902	97.0410
March	103.9749	96.9508	98.7366
April	103.7956	97.5286	102.3618
May	103.9628	102.8422	103.5815
June	103.4154	102.9220	103.2417
July	103.7376	103.1043	103.3426
August	103.4990	100.9286	102.7078
September	103.3082	101.4383	102.2919
October	102.8804	101.4598	101.8519
November	102.4429	101.3173	101.8489
December	105.2367	101.1487	102.3213