2020 HRK to MDL Historical Review

YEARLY HIGH

2.7962 MDL

YEARLY LOW

2.4903 MDL

YEARLY AVERAGE

2.6087 MDL

2020 HRK to MDL Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HRK to MDL exchange rate experienced significant fluctuation. The market reached its absolute peak on December 30, valuing the pair at 2.7962. Conversely, the yearly low was recorded on March 19, dropping to 2.4903.

This high-to-low spread represents a total annual volatility of 0.3058 MDL. From a start-to-finish perspective, comparing the January average rate of 2.5915 to the December average rate of 2.7752, the exchange rate registered a net change of 7.09% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 2.7962 was up 0.02% compared to the 2019 peak of 2.7955, 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 13,981 MDL

2019 Average 13,223 MDL

Yearly Trough Low 12,452 MDL

Transaction Impact: A difference of 1,529.01 MDL purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

2.7979

2.5259

JanuMarcMayJulySeptNove

HRK to MDL 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 2.5729, compared to 2.6445 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0716 points.

H1 Avg (Jan–Jun) 2.5729

H2 Avg (Jul–Dec) 2.6445

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.1438 MDL (High: 2.6341 / Low: 2.4903). On the other end, September was the most stable month, with a tight range of 0.0470 MDL (High: 2.6242 / Low: 2.5772).

March Spread (Volatile) ±0.1438

September Spread (Stable) ±0.0470

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 0.0460 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0460

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2020: 2.7752) against the same month in 2019 (average: 2.5773), the exchange rate shifted by +0.1979 (+7.68%).

2020 Avg (December) 2.7752

2019 Avg (December) 2.5773

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	2.6213	2.5500	2.5915
February	2.6013	2.5418	2.5712
March	2.6341	2.4903	2.5803
April	2.6407	2.5330	2.5945
May	2.5909	2.5224	2.5485
June	2.5779	2.5245	2.5513
July	2.6285	2.5494	2.5792
August	2.6303	2.5764	2.6067
September	2.6242	2.5772	2.5976
October	2.6614	2.5997	2.6273
November	2.7304	2.6166	2.6811
December	2.7962	2.7453	2.7752