2020 XCD to HRK Historical Review

YEARLY HIGH

2.6441 HRK

YEARLY LOW

2.2712 HRK

YEARLY AVERAGE

2.4473 HRK

2020 XCD to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the XCD to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on March 19, valuing the pair at 2.6441. Conversely, the yearly low was recorded on December 30, dropping to 2.2712.

This high-to-low spread represents a total annual volatility of 0.3729 HRK. From a start-to-finish perspective, comparing the January average rate of 2.4806 to the December average rate of 2.2924, the exchange rate registered a net change of -7.59% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 2.6441 was up 5.09% compared to the 2019 peak of 2.5160, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 13,220 HRK

2019 Average 12,260 HRK

Yearly Trough Low 11,356 HRK

Transaction Impact: A difference of 1,864.34 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

2.6145

2.2632

JanuMarcMayJulySeptNove

XCD 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 2.5305, compared to 2.3641 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.1664 points.

H1 Avg (Jan–Jun) 2.5305

H2 Avg (Jul–Dec) 2.3641

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.2093 HRK (High: 2.6441 / Low: 2.4348). On the other end, August was the most stable month, with a tight range of 0.0391 HRK (High: 2.3642 / Low: 2.3251).

March Spread (Volatile) ±0.2093

August Spread (Stable) ±0.0391

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 July and August, when the average rate fell by 0.0839 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0839

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (March 2020: 2.5331) against the same month in 2019 (average: 2.4308), the exchange rate shifted by +0.1023 (+4.21%).

2020 Avg (March) 2.5331

2019 Avg (March) 2.4308

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	2.4992	2.4566	2.4806
February	2.5558	2.4828	2.5266
March	2.6441	2.4348	2.5331
April	2.6132	2.5604	2.5852
May	2.5930	2.5295	2.5687
June	2.5241	2.4642	2.4886
July	2.4895	2.3336	2.4320
August	2.3642	2.3251	2.3481
September	2.4019	2.3358	2.3679
October	2.4046	2.3640	2.3818
November	2.4065	2.3371	2.3625
December	2.3149	2.2712	2.2924