2020 YER to MAD Historical Review

YEARLY HIGH

0.0411 MAD

YEARLY LOW

0.0355 MAD

YEARLY AVERAGE

0.0379 MAD

2020 YER to MAD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the YER to MAD exchange rate experienced significant fluctuation. The market reached its absolute peak on April 6, valuing the pair at 0.0411. Conversely, the yearly low was recorded on December 19, dropping to 0.0355.

This high-to-low spread represents a total annual volatility of 0.0057 MAD. From a start-to-finish perspective, comparing the January average rate of 0.0384 to the December average rate of 0.0359, the exchange rate registered a net change of -6.49% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.0411 was up 5.48% compared to the 2019 peak of 0.0390, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 206 MAD

2019 Average 192 MAD

Yearly Trough Low 177 MAD

Transaction Impact: A difference of 28.28 MAD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.0409

0.0354

JanuMarcMayJulySeptNove

YER 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 0.0390, compared to 0.0368 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0022 points.

H1 Avg (Jan–Jun) 0.0390

H2 Avg (Jul–Dec) 0.0368

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.0027 MAD (High: 0.0404 / Low: 0.0377). On the other end, January was the most stable month, with a tight range of 0.0003 MAD (High: 0.0385 / Low: 0.0382).

March Spread (Volatile) ±0.0027

January Spread (Stable) ±0.0003

Growth Streaks & Declines

Trends

Between January and April, 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 July and August, when the average rate fell by 0.0013 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0013

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (April 2020: 0.0405) against the same month in 2019 (average: 0.0385), the exchange rate shifted by +0.0020 (+5.15%).

2020 Avg (April) 0.0405

2019 Avg (April) 0.0385

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0385	0.0382	0.0384
February	0.0389	0.0383	0.0387
March	0.0404	0.0377	0.0387
April	0.0411	0.0395	0.0405
May	0.0396	0.0391	0.0393
June	0.0391	0.0385	0.0387
July	0.0388	0.0372	0.0382
August	0.0374	0.0365	0.0369
September	0.0371	0.0364	0.0368
October	0.0370	0.0365	0.0368
November	0.0369	0.0362	0.0365
December	0.0372	0.0355	0.0359