2020 HRK to CDF Historical Review

YEARLY HIGH

321.1906 CDF

YEARLY LOW

238.8573 CDF

YEARLY AVERAGE

280.7343 CDF

2020 HRK to CDF Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HRK to CDF exchange rate experienced significant fluctuation. The market reached its absolute peak on December 30, valuing the pair at 321.1906. Conversely, the yearly low was recorded on March 19, dropping to 238.8573.

This high-to-low spread represents a total annual volatility of 82.3333 CDF. From a start-to-finish perspective, comparing the January average rate of 251.5804 to the December average rate of 315.5343, the exchange rate registered a net change of 25.42% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 321.1906 was up 25.39% compared to the 2019 peak of 256.1633, 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 1,605,953 CDF

2019 Average 1,247,191 CDF

Yearly Trough Low 1,194,287 CDF

Transaction Impact: A difference of 411,666.37 CDF purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

322.4928

238.9908

JanuMarcMayJulySeptNove

HRK to CDF 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 254.9983, compared to 306.4703 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 51.4720 points.

H1 Avg (Jan–Jun) 254.9983

H2 Avg (Jul–Dec) 306.4703

Volatility Range Comparison

Volatility

The most volatile month in 2020 was December, with a trading range of 82.2638 CDF (High: 321.1906 / Low: 238.9268). On the other end, January was the most stable month, with a tight range of 4.7861 CDF (High: 254.4273 / Low: 249.6412).

December Spread (Volatile) ±82.2638

January Spread (Stable) ±4.7861

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 3.9908 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -3.9908

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2020: 315.5343) against the same month in 2019 (average: 250.5763), the exchange rate shifted by +64.9580 (+25.92%).

2020 Avg (December) 315.5343

2019 Avg (December) 250.5763

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	254.4273	249.6412	251.5804
February	251.2893	245.0144	247.5897
March	258.3283	238.8573	249.1071
April	249.8895	242.2689	245.9493
May	266.7520	248.1472	257.3592
June	285.5520	267.7024	278.4043
July	311.8969	284.4597	296.1983
August	314.1615	306.0043	309.4125
September	310.7226	302.8781	306.7307
October	307.2537	280.8196	302.9657
November	312.0552	302.0025	307.9803
December	321.1906	238.9268	315.5343