2020 HRK to XAF Historical Review

YEARLY HIGH

88.2152 XAF

YEARLY LOW

85.4475 XAF

YEARLY AVERAGE

86.9979 XAF

2020 HRK to XAF Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HRK to XAF exchange rate experienced significant fluctuation. The market reached its absolute peak on January 20, valuing the pair at 88.2152. Conversely, the yearly low was recorded on May 2, dropping to 85.4475.

This high-to-low spread represents a total annual volatility of 2.7677 XAF. From a start-to-finish perspective, comparing the January average rate of 88.1208 to the December average rate of 86.9804, the exchange rate registered a net change of -1.29% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 88.2152 was down 1.27% compared to the 2019 peak of 89.3513, 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 441,076 XAF

2019 Average 442,026 XAF

Yearly Trough Low 427,237 XAF

Transaction Impact: A difference of 13,838.48 XAF purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

88.2932

86.2248

JanuMarcMayJulySeptNove

HRK to XAF 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 87.0335, compared to 86.9622 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0712 points.

H1 Avg (Jan–Jun) 87.0335

H2 Avg (Jul–Dec) 86.9622

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 2.0596 XAF (High: 87.6448 / Low: 85.5852). On the other end, November was the most stable month, with a tight range of 0.2917 XAF (High: 86.8414 / Low: 86.5498).

March Spread (Volatile) ±2.0596

November Spread (Stable) ±0.2917

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 February and March, when the average rate fell by 1.4420 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -1.4420

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2020: 88.1208) against the same month in 2019 (average: 88.3004), the exchange rate shifted by -0.1796 (-0.20%).

2020 Avg (January) 88.1208

2019 Avg (January) 88.3004

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	88.2152	87.8220	88.1208
February	88.1564	87.7981	88.0020
March	87.6448	85.5852	86.5600
April	86.8902	85.9625	86.3972
May	87.1558	85.4475	86.4575
June	86.9435	85.9024	86.6635
July	88.1697	86.6967	87.1189
August	88.1697	86.9113	87.3777
September	87.1553	86.7687	86.9693
October	86.7453	86.4398	86.6006
November	86.8414	86.5498	86.7265
December	87.3556	86.8284	86.9804