2020 XAF to HRK Historical Review

YEARLY HIGH

0.0117 HRK

YEARLY LOW

0.0113 HRK

YEARLY AVERAGE

0.0115 HRK

2020 XAF to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the XAF to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on May 2, valuing the pair at 0.0117. Conversely, the yearly low was recorded on January 20, dropping to 0.0113.

This high-to-low spread represents a total annual volatility of 0.0004 HRK. From a start-to-finish perspective, comparing the January average rate of 0.0113 to the December average rate of 0.0115, the exchange rate registered a net change of 1.31% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.0117 was up 2.74% compared to the 2019 peak of 0.0114, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 59 HRK

2019 Average 57 HRK

Yearly Trough Low 57 HRK

Transaction Impact: A difference of 1.84 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.0116

0.0113

JanuMarcMayJulySeptNove

XAF 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 0.0115, compared to 0.0115 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0000 points.

H1 Avg (Jan–Jun) 0.0115

H2 Avg (Jul–Dec) 0.0115

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.0003 HRK (High: 0.0117 / Low: 0.0114). On the other end, November was the most stable month, with a tight range of 0.0000 HRK (High: 0.0116 / Low: 0.0115).

March Spread (Volatile) ±0.0003

November Spread (Stable) ±0.0000

Growth Streaks & Declines

Trends

Between January and April, 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 June and July, when the average rate fell by 0.0001 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0001

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (May 2020: 0.0116) against the same month in 2019 (average: 0.0113), the exchange rate shifted by +0.0003 (+2.28%).

2020 Avg (May) 0.0116

2019 Avg (May) 0.0113

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0114	0.0113	0.0113
February	0.0114	0.0113	0.0114
March	0.0117	0.0114	0.0116
April	0.0116	0.0115	0.0116
May	0.0117	0.0115	0.0116
June	0.0116	0.0115	0.0115
July	0.0115	0.0113	0.0115
August	0.0115	0.0113	0.0114
September	0.0115	0.0115	0.0115
October	0.0116	0.0115	0.0115
November	0.0116	0.0115	0.0115
December	0.0115	0.0114	0.0115