Tuesday, April 20, 2010

Exchange rates and volatility

When currencies can be bought and sold in the FX markets, banks quote exchange rates at which they will deal. Exchange rates are quoted as a number of units of one currency (the variable currency) in exchange for one unit of the other currency (the base currency). For example, the sterling/US dollar exchange rate (GBP/USD) might be 1.8150, meaning that each £1 can be exchanged for US$1.8150 in the market.

Experience has shown that exchange rates can be very volatile. Volatility means that exchange rates can move up or down by large amounts, within a fairly short period of time.

· The exchange rate between British pound and the US dollar has also been volatile, ranging in fairly recent times between about US$1 to £1 to over US$2 to £1.

Exchange rate volatility creates forex risk (also called currency risk and FX risk) for anyone involved in buying, selling, borrowing or investing foreign currency.

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