2021 YER to MAD Historical Review

YEARLY HIGH

0.0373 MAD

YEARLY LOW

0.0351 MAD

YEARLY AVERAGE

0.0359 MAD

2021 YER to MAD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the YER to MAD exchange rate experienced significant fluctuation. The market reached its absolute peak on December 18, valuing the pair at 0.0373. Conversely, the yearly low was recorded on January 6, dropping to 0.0351.

This high-to-low spread represents a total annual volatility of 0.0021 MAD. From a start-to-finish perspective, comparing the January average rate of 0.0356 to the December average rate of 0.0370, the exchange rate registered a net change of 3.99% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 0.0373 was down 9.43% compared to the 2020 peak of 0.0411, 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 186 MAD

2020 Average 190 MAD

Yearly Trough Low 176 MAD

Transaction Impact: A difference of 10.61 MAD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

0.0371

0.0352

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 0.0356, compared to 0.0362 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0005 points.

H1 Avg (Jan–Jun) 0.0356

H2 Avg (Jul–Dec) 0.0362

Volatility Range Comparison

Volatility

The most volatile month in 2021 was November, with a trading range of 0.0008 MAD (High: 0.0370 / Low: 0.0362). On the other end, October was the most stable month, with a tight range of 0.0002 MAD (High: 0.0363 / Low: 0.0361).

November Spread (Volatile) ±0.0008

October Spread (Stable) ±0.0002

Growth Streaks & Declines

Trends

Between May and August, 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 April and May, when the average rate fell by 0.0004 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0004

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2021: 0.0370) against the same month in 2020 (average: 0.0359), the exchange rate shifted by +0.0011 (+3.07%).

2021 Avg (December) 0.0370

2020 Avg (December) 0.0359

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0358	0.0351	0.0356
February	0.0360	0.0355	0.0357
March	0.0363	0.0357	0.0360
April	0.0362	0.0355	0.0358
May	0.0358	0.0352	0.0354
June	0.0357	0.0352	0.0355
July	0.0359	0.0356	0.0357
August	0.0360	0.0356	0.0358
September	0.0362	0.0356	0.0358
October	0.0363	0.0361	0.0362
November	0.0370	0.0362	0.0366
December	0.0373	0.0368	0.0370