2021 XDR to MAD Historical Review

YEARLY HIGH

13.0686 MAD

YEARLY LOW

12.6646 MAD

YEARLY AVERAGE

12.8081 MAD

2021 XDR to MAD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the XDR to MAD exchange rate experienced significant fluctuation. The market reached its absolute peak on December 18, valuing the pair at 13.0686. Conversely, the yearly low was recorded on September 5, dropping to 12.6646.

This high-to-low spread represents a total annual volatility of 0.4041 MAD. From a start-to-finish perspective, comparing the January average rate of 12.8383 to the December average rate of 12.9732, the exchange rate registered a net change of 1.05% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 13.0686 was down 6.80% compared to the 2020 peak of 14.0220, 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 65,343 MAD

2020 Average 66,095 MAD

Yearly Trough Low 63,323 MAD

Transaction Impact: A difference of 2,020.30 MAD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

12.9977

12.7035

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 12.8082, compared to 12.8081 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0000 points.

H1 Avg (Jan–Jun) 12.8082

H2 Avg (Jul–Dec) 12.8081

Volatility Range Comparison

Volatility

The most volatile month in 2021 was January, with a trading range of 0.2201 MAD (High: 12.9380 / Low: 12.7179). On the other end, July was the most stable month, with a tight range of 0.0605 MAD (High: 12.7511 / Low: 12.6906).

January Spread (Volatile) ±0.2201

July Spread (Stable) ±0.0605

Growth Streaks & Declines

Trends

Between September and December, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 3 straight months. Conversely, the sharpest month-over-month decline occurred between March and April, when the average rate fell by 0.0698 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0698

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2021: 12.9732) against the same month in 2020 (average: 12.9210), the exchange rate shifted by +0.0523 (+0.40%).

2021 Avg (December) 12.9732

2020 Avg (December) 12.9210

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	12.9380	12.7179	12.8383
February	12.9343	12.8238	12.8801
March	12.9369	12.7967	12.8619
April	12.8732	12.7401	12.7921
May	12.8854	12.6872	12.7484
June	12.8047	12.6851	12.7280
July	12.7511	12.6906	12.7290
August	12.8042	12.6856	12.7472
September	12.7982	12.6646	12.7392
October	12.8272	12.7433	12.7909
November	12.9712	12.7659	12.8693
December	13.0686	12.9087	12.9732