YEARLY HIGH
4.8327 GEL
YEARLY LOW
3.7921 GEL
YEARLY AVERAGE
4.3382 GEL

2020 XDR to GEL Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the XDR to GEL exchange rate experienced significant fluctuation. The market reached its absolute peak on November 5, valuing the pair at 4.8327. Conversely, the yearly low was recorded on February 25, dropping to 3.7921.

This high-to-low spread represents a total annual volatility of 1.0406 GEL. From a start-to-finish perspective, comparing the January average rate of 3.9713 to the December average rate of 4.7387, the exchange rate registered a net change of 19.32% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 4.8327 was up 17.42% compared to the 2019 peak of 4.1158, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 24,163 GEL
2019 Average 19,486 GEL
Yearly Trough Low 18,961 GEL
Transaction Impact: A difference of 5,202.79 GEL purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

4.8232
3.8087
JanuMarcMayJulySeptNove

XDR to GEL 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 4.1542, compared to 4.5222 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.3680 points.

H1 Avg (Jan–Jun) 4.1542
H2 Avg (Jul–Dec) 4.5222

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.8576 GEL (High: 4.6850 / Low: 3.8274). On the other end, January was the most stable month, with a tight range of 0.0421 GEL (High: 3.9868 / Low: 3.9447).

March Spread (Volatile) ±0.8576
January Spread (Stable) ±0.0421

Growth Streaks & Declines

Trends

Between June and December, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 6 straight months. Conversely, the sharpest month-over-month decline occurred between May and June, when the average rate fell by 0.1545 points.

Longest Streak 6 Mo.
Sharpest MoM Drop -0.1545

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (November 2020: 4.7160) against the same month in 2019 (average: 4.0801), the exchange rate shifted by +0.6359 (+15.58%).

2020 Avg (November) 4.7160
2019 Avg (November) 4.0801

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 3.9868 3.9447 3.9713
February 3.9783 3.7921 3.8933
March 4.6850 3.8274 4.1357
April 4.4845 4.2871 4.3407
May 4.3942 4.3371 4.3694
June 4.3902 4.0668 4.2149
July 4.3562 4.2120 4.2696
August 4.3880 4.3387 4.3636
September 4.7148 4.3511 4.4890
October 4.6164 4.5266 4.5561
November 4.8327 4.5748 4.7160
December 4.7812 4.7087 4.7387