2020 HRK to AFN Historical Review

YEARLY HIGH

12.5937 AFN

YEARLY LOW

10.6218 AFN

YEARLY AVERAGE

11.6375 AFN

2020 HRK to AFN Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HRK to AFN exchange rate experienced significant fluctuation. The market reached its absolute peak on December 30, valuing the pair at 12.5937. Conversely, the yearly low was recorded on March 19, dropping to 10.6218.

This high-to-low spread represents a total annual volatility of 1.9719 AFN. From a start-to-finish perspective, comparing the January average rate of 11.5168 to the December average rate of 12.4401, the exchange rate registered a net change of 8.02% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 12.5937 was up 0.52% compared to the 2019 peak of 12.5286, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 62,968 AFN

2019 Average 58,776 AFN

Yearly Trough Low 53,109 AFN

Transaction Impact: A difference of 9,859.47 AFN purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

12.5939

10.7487

JanuMarcMayJulySeptNove

HRK to AFN 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 11.2217, compared to 12.0532 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.8315 points.

H1 Avg (Jan–Jun) 11.2217

H2 Avg (Jul–Dec) 12.0532

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.9315 AFN (High: 11.5533 / Low: 10.6218). On the other end, August was the most stable month, with a tight range of 0.2062 AFN (High: 12.2661 / Low: 12.0599).

March Spread (Volatile) ±0.9315

August Spread (Stable) ±0.2062

Growth Streaks & Declines

Trends

Between April and August, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 4 straight months. Conversely, the sharpest month-over-month decline occurred between January and February, when the average rate fell by 0.2504 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.2504

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2020: 12.4401) against the same month in 2019 (average: 11.7282), the exchange rate shifted by +0.7119 (+6.07%).

2020 Avg (December) 12.4401

2019 Avg (December) 11.7282

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	11.7641	11.3195	11.5168
February	11.5692	11.1695	11.2664
March	11.5533	10.6218	11.1382
April	11.0677	10.7773	10.9025
May	11.2035	10.8804	11.0174
June	11.5932	11.2437	11.4890
July	12.1777	11.4731	11.7301
August	12.2661	12.0599	12.1456
September	12.1652	11.8468	12.0064
October	12.0366	11.8258	11.9406
November	12.1909	11.8224	12.0565
December	12.5937	12.3079	12.4401