2020 HRK to XDR Historical Review

YEARLY HIGH

0.1131 XDR

YEARLY LOW

0.1032 XDR

YEARLY AVERAGE

0.1087 XDR

2020 HRK to XDR Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HRK to XDR exchange rate experienced significant fluctuation. The market reached its absolute peak on December 30, valuing the pair at 0.1131. Conversely, the yearly low was recorded on March 19, dropping to 0.1032.

This high-to-low spread represents a total annual volatility of 0.0099 XDR. From a start-to-finish perspective, comparing the January average rate of 0.1081 to the December average rate of 0.1122, the exchange rate registered a net change of 3.81% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.1131 was up 1.64% compared to the 2019 peak of 0.1113, 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 566 XDR

2019 Average 545 XDR

Yearly Trough Low 516 XDR

Transaction Impact: A difference of 49.64 XDR purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.1129

0.1042

JanuMarcMayJulySeptNove

HRK to XDR 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 0.1066, compared to 0.1107 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0041 points.

H1 Avg (Jan–Jun) 0.1066

H2 Avg (Jul–Dec) 0.1107

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.0057 XDR (High: 0.1089 / Low: 0.1032). On the other end, January was the most stable month, with a tight range of 0.0013 XDR (High: 0.1088 / Low: 0.1075).

March Spread (Volatile) ±0.0057

January Spread (Stable) ±0.0013

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 0.0016 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.0016

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2020: 0.1122) against the same month in 2019 (average: 0.1083), the exchange rate shifted by +0.0039 (+3.64%).

2020 Avg (December) 0.1122

2019 Avg (December) 0.1083

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.1088	0.1075	0.1081
February	0.1083	0.1061	0.1070
March	0.1089	0.1032	0.1065
April	0.1059	0.1040	0.1050
May	0.1069	0.1047	0.1056
June	0.1088	0.1069	0.1078
July	0.1127	0.1078	0.1095
August	0.1127	0.1109	0.1116
September	0.1114	0.1095	0.1106
October	0.1107	0.1090	0.1100
November	0.1111	0.1090	0.1102
December	0.1131	0.1114	0.1122