2020 HRK to XCD Historical Review

YEARLY HIGH

0.4403 XCD

YEARLY LOW

0.3782 XCD

YEARLY AVERAGE

0.4092 XCD

2020 HRK to XCD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HRK to XCD exchange rate experienced significant fluctuation. The market reached its absolute peak on December 30, valuing the pair at 0.4403. Conversely, the yearly low was recorded on March 19, dropping to 0.3782.

This high-to-low spread represents a total annual volatility of 0.0621 XCD. From a start-to-finish perspective, comparing the January average rate of 0.4031 to the December average rate of 0.4362, the exchange rate registered a net change of 8.21% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.4403 was up 4.72% compared to the 2019 peak of 0.4204, 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 2,201 XCD

2019 Average 2,039 XCD

Yearly Trough Low 1,891 XCD

Transaction Impact: A difference of 310.46 XCD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.4412

0.3819

JanuMarcMayJulySeptNove

HRK to XCD 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 0.3953, compared to 0.4232 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0278 points.

H1 Avg (Jan–Jun) 0.3953

H2 Avg (Jul–Dec) 0.4232

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.0325 XCD (High: 0.4107 / Low: 0.3782). On the other end, January was the most stable month, with a tight range of 0.0069 XCD (High: 0.4071 / Low: 0.4001).

March Spread (Volatile) ±0.0325

January Spread (Stable) ±0.0069

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 March and April, when the average rate fell by 0.0081 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.0081

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2020: 0.4362) against the same month in 2019 (average: 0.4035), the exchange rate shifted by +0.0327 (+8.11%).

2020 Avg (December) 0.4362

2019 Avg (December) 0.4035

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.4071	0.4001	0.4031
February	0.4028	0.3913	0.3958
March	0.4107	0.3782	0.3950
April	0.3906	0.3827	0.3868
May	0.3953	0.3857	0.3893
June	0.4058	0.3962	0.4018
July	0.4285	0.4017	0.4113
August	0.4301	0.4230	0.4259
September	0.4281	0.4163	0.4223
October	0.4230	0.4159	0.4199
November	0.4279	0.4155	0.4233
December	0.4403	0.4320	0.4362