2020 XDR to MAD Historical Review

YEARLY HIGH

14.0220 MAD

YEARLY LOW

12.8182 MAD

YEARLY AVERAGE

13.2201 MAD

2020 XDR to MAD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the XDR to MAD exchange rate experienced significant fluctuation. The market reached its absolute peak on April 5, valuing the pair at 14.0220. Conversely, the yearly low was recorded on December 30, dropping to 12.8182.

This high-to-low spread represents a total annual volatility of 1.2038 MAD. From a start-to-finish perspective, comparing the January average rate of 13.2585 to the December average rate of 12.9210, the exchange rate registered a net change of -2.55% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 14.0220 was up 3.99% compared to the 2019 peak of 13.4845, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 70,110 MAD

2019 Average 66,538 MAD

Yearly Trough Low 64,091 MAD

Transaction Impact: A difference of 6,019.08 MAD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

13.9103

12.8310

JanuMarcMayJulySeptNove

XDR 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 13.4006, compared to 13.0396 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.3610 points.

H1 Avg (Jan–Jun) 13.4006

H2 Avg (Jul–Dec) 13.0396

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.6614 MAD (High: 13.8092 / Low: 13.1478). On the other end, January was the most stable month, with a tight range of 0.1001 MAD (High: 13.3092 / Low: 13.2091).

March Spread (Volatile) ±0.6614

January Spread (Stable) ±0.1001

Growth Streaks & Declines

Trends

Between February and April, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 2 straight months. Conversely, the sharpest month-over-month decline occurred between April and May, when the average rate fell by 0.3840 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.3840

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (April 2020: 13.8204) against the same month in 2019 (average: 13.4180), the exchange rate shifted by +0.4024 (+3.00%).

2020 Avg (April) 13.8204

2019 Avg (April) 13.4180

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	13.3092	13.2091	13.2585
February	13.3062	13.1662	13.2500
March	13.8092	13.1478	13.2834
April	14.0220	13.4937	13.8204
May	13.5270	13.3469	13.4364
June	13.4151	13.2768	13.3547
July	13.3804	13.1169	13.2703
August	13.1859	12.9509	13.0337
September	13.0925	12.9473	13.0249
October	13.0716	12.9407	13.0070
November	13.0484	12.9205	12.9805
December	13.3670	12.8182	12.9210