2020 MDL to HRK Historical Review

YEARLY HIGH

0.4016 HRK

YEARLY LOW

0.3576 HRK

YEARLY AVERAGE

0.3836 HRK

2020 MDL to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the MDL to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on March 19, valuing the pair at 0.4016. Conversely, the yearly low was recorded on December 30, dropping to 0.3576.

This high-to-low spread represents a total annual volatility of 0.0439 HRK. From a start-to-finish perspective, comparing the January average rate of 0.3859 to the December average rate of 0.3603, the exchange rate registered a net change of -6.62% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.4016 was up 2.88% compared to the 2019 peak of 0.3903, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

Comparing the value generated converting 5,000 MDL based on timing:

Yearly Peak High 2,008 HRK

2019 Average 1,891 HRK

Yearly Trough Low 1,788 HRK

Transaction Impact: A difference of 219.58 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.3956

0.3571

JanuMarcMayJulySeptNove

MDL to HRK 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 0.3887, compared to 0.3784 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0103 points.

H1 Avg (Jan–Jun) 0.3887

H2 Avg (Jul–Dec) 0.3784

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.0219 HRK (High: 0.4016 / Low: 0.3796). On the other end, December was the most stable month, with a tight range of 0.0066 HRK (High: 0.3643 / Low: 0.3576).

March Spread (Volatile) ±0.0219

December Spread (Stable) ±0.0066

Growth Streaks & Declines

Trends

No sustained consecutive month-over-month growth streak of 2+ months occurred in 2020. Conversely, the sharpest month-over-month decline occurred between November and December, when the average rate fell by 0.0127 points.

Longest Streak 1 Mo.

Sharpest MoM Drop -0.0127

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (March 2020: 0.3876) against the same month in 2019 (average: 0.3825), the exchange rate shifted by +0.0051 (+1.33%).

2020 Avg (March) 0.3876

2019 Avg (March) 0.3825

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.3922	0.3815	0.3859
February	0.3934	0.3844	0.3889
March	0.4016	0.3796	0.3876
April	0.3948	0.3787	0.3855
May	0.3965	0.3860	0.3924
June	0.3961	0.3879	0.3920
July	0.3923	0.3804	0.3877
August	0.3881	0.3802	0.3836
September	0.3880	0.3811	0.3850
October	0.3847	0.3757	0.3806
November	0.3822	0.3662	0.3730
December	0.3643	0.3576	0.3603