2020 SCR to GHS Historical Review

YEARLY HIGH

0.4453 GHS

YEARLY LOW

0.2750 GHS

YEARLY AVERAGE

0.3403 GHS

2020 SCR to GHS Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the SCR to GHS exchange rate experienced significant fluctuation. The market reached its absolute peak on January 5, valuing the pair at 0.4453. Conversely, the yearly low was recorded on December 5, dropping to 0.2750.

This high-to-low spread represents a total annual volatility of 0.1703 GHS. From a start-to-finish perspective, comparing the January average rate of 0.4138 to the December average rate of 0.2769, the exchange rate registered a net change of -33.08% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.4453 was down 58.24% compared to the 2019 peak of 1.0663, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 2,226 GHS

2019 Average 1,970 GHS

Yearly Trough Low 1,375 GHS

Transaction Impact: A difference of 851.58 GHS purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.4274

0.2632

JanuMarcMayJulySeptNove

SCR to GHS 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 0.3722, compared to 0.3084 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0637 points.

H1 Avg (Jan–Jun) 0.3722

H2 Avg (Jul–Dec) 0.3084

Volatility Range Comparison

Volatility

The most volatile month in 2020 was April, with a trading range of 0.0958 GHS (High: 0.4216 / Low: 0.3259). On the other end, September was the most stable month, with a tight range of 0.0021 GHS (High: 0.3236 / Low: 0.3215).

April Spread (Volatile) ±0.0958

September Spread (Stable) ±0.0021

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 March and April, when the average rate fell by 0.0529 points.

Longest Streak 1 Mo.

Sharpest MoM Drop -0.0529

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2020: 0.4138) against the same month in 2019 (average: 0.3590), the exchange rate shifted by +0.0547 (+15.25%).

2020 Avg (January) 0.4138

2019 Avg (January) 0.3590

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.4453	0.4059	0.4138
February	0.4065	0.3858	0.3937
March	0.4433	0.3939	0.4085
April	0.4216	0.3259	0.3556
May	0.3586	0.3192	0.3322
June	0.3445	0.3252	0.3293
July	0.3303	0.3225	0.3271
August	0.3246	0.3121	0.3231
September	0.3236	0.3215	0.3223
October	0.3225	0.3015	0.3146
November	0.3014	0.2803	0.2866
December	0.2816	0.2750	0.2769