YEARLY HIGH
3.5688 MAD
YEARLY LOW
3.2832 MAD
YEARLY AVERAGE
3.3840 MAD

2020 TND to MAD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the TND to MAD exchange rate experienced significant fluctuation. The market reached its absolute peak on April 2, valuing the pair at 3.5688. Conversely, the yearly low was recorded on August 17, dropping to 3.2832.

This high-to-low spread represents a total annual volatility of 0.2856 MAD. From a start-to-finish perspective, comparing the January average rate of 3.4160 to the December average rate of 3.3252, the exchange rate registered a net change of -2.66% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 3.5688 was up 3.55% compared to the 2019 peak of 3.4465, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 17,844 MAD
2019 Average 16,451 MAD
Yearly Trough Low 16,416 MAD
Transaction Impact: A difference of 1,428.24 MAD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

3.5139
3.3074
JanuMarcMayJulySeptNove

TND 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 3.4167, compared to 3.3513 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0654 points.

H1 Avg (Jan–Jun) 3.4167
H2 Avg (Jul–Dec) 3.3513

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.1874 MAD (High: 3.5297 / Low: 3.3423). On the other end, September was the most stable month, with a tight range of 0.0291 MAD (High: 3.3703 / Low: 3.3412).

March Spread (Volatile) ±0.1874
September Spread (Stable) ±0.0291

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 0.0967 points.

Longest Streak 1 Mo.
Sharpest MoM Drop -0.0967

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (April 2020: 3.4967) against the same month in 2019 (average: 3.1932), the exchange rate shifted by +0.3036 (+9.51%).

2020 Avg (April) 3.4967
2019 Avg (April) 3.1932

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 3.4646 3.3935 3.4160
February 3.4196 3.3705 3.4037
March 3.5297 3.3423 3.3866
April 3.5688 3.4158 3.4967
May 3.4263 3.3734 3.4001
June 3.4174 3.3784 3.3971
July 3.4061 3.3756 3.3915
August 3.4280 3.2832 3.3745
September 3.3703 3.3412 3.3511
October 3.3793 3.3249 3.3406
November 3.3396 3.3090 3.3246
December 3.4407 3.3000 3.3252