2020 CDF to HRK Historical Review

YEARLY HIGH

0.0042 HRK

YEARLY LOW

0.0031 HRK

YEARLY AVERAGE

0.0036 HRK

2020 CDF to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the CDF to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on March 19, valuing the pair at 0.0042. Conversely, the yearly low was recorded on December 30, dropping to 0.0031.

This high-to-low spread represents a total annual volatility of 0.0011 HRK. From a start-to-finish perspective, comparing the January average rate of 0.0040 to the December average rate of 0.0032, the exchange rate registered a net change of -20.06% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.0042 was up 2.34% compared to the 2019 peak of 0.0041, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 21 HRK

2019 Average 20 HRK

Yearly Trough Low 16 HRK

Transaction Impact: A difference of 5.37 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.0042

0.0031

JanuMarcMayJulySeptNove

CDF to HRK 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 0.0039, compared to 0.0033 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0007 points.

H1 Avg (Jan–Jun) 0.0039

H2 Avg (Jul–Dec) 0.0033

Volatility Range Comparison

Volatility

The most volatile month in 2020 was December, with a trading range of 0.0011 HRK (High: 0.0042 / Low: 0.0031). On the other end, January was the most stable month, with a tight range of 0.0001 HRK (High: 0.0040 / Low: 0.0039).

December Spread (Volatile) ±0.0011

January Spread (Stable) ±0.0001

Growth Streaks & Declines

Trends

Between August and October, 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 May and June, when the average rate fell by 0.0003 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0003

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (March 2020: 0.0040) against the same month in 2019 (average: 0.0040), the exchange rate shifted by +0.0000 (+0.05%).

2020 Avg (March) 0.0040

2019 Avg (March) 0.0040

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0040	0.0039	0.0040
February	0.0041	0.0040	0.0040
March	0.0042	0.0039	0.0040
April	0.0041	0.0040	0.0041
May	0.0040	0.0037	0.0039
June	0.0037	0.0035	0.0036
July	0.0035	0.0032	0.0034
August	0.0033	0.0032	0.0032
September	0.0033	0.0032	0.0033
October	0.0036	0.0033	0.0033
November	0.0033	0.0032	0.0032
December	0.0042	0.0031	0.0032