2020 SAR to PEN Historical Review

YEARLY HIGH

0.9771 PEN

YEARLY LOW

0.8812 PEN

YEARLY AVERAGE

0.9312 PEN

2020 SAR to PEN Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the SAR to PEN exchange rate experienced significant fluctuation. The market reached its absolute peak on November 16, valuing the pair at 0.9771. Conversely, the yearly low was recorded on January 5, dropping to 0.8812.

This high-to-low spread represents a total annual volatility of 0.0959 PEN. From a start-to-finish perspective, comparing the January average rate of 0.8865 to the December average rate of 0.9598, the exchange rate registered a net change of 8.27% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.9771 was up 7.60% compared to the 2019 peak of 0.9081, 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 4,885 PEN

2019 Average 4,448 PEN

Yearly Trough Low 4,406 PEN

Transaction Impact: A difference of 479.43 PEN purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.9695

0.8789

JanuMarcMayJulySeptNove

SAR to PEN 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 0.9099, compared to 0.9525 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0427 points.

H1 Avg (Jan–Jun) 0.9099

H2 Avg (Jul–Dec) 0.9525

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.0554 PEN (High: 0.9518 / Low: 0.8965). On the other end, December was the most stable month, with a tight range of 0.0094 PEN (High: 0.9649 / Low: 0.9555).

March Spread (Volatile) ±0.0554

December Spread (Stable) ±0.0094

Growth Streaks & Declines

Trends

Between April and August, 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 March and April, when the average rate fell by 0.0245 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.0245

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (November 2020: 0.9620) against the same month in 2019 (average: 0.8982), the exchange rate shifted by +0.0637 (+7.09%).

2020 Avg (November) 0.9620

2019 Avg (November) 0.8982

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.9023	0.8812	0.8865
February	0.9208	0.8963	0.9039
March	0.9518	0.8965	0.9289
April	0.9199	0.8956	0.9044
May	0.9175	0.8938	0.9094
June	0.9428	0.9061	0.9260
July	0.9449	0.9322	0.9375
August	0.9560	0.9391	0.9493
September	0.9600	0.9396	0.9479
October	0.9659	0.9531	0.9586
November	0.9771	0.9538	0.9620
December	0.9649	0.9555	0.9598