2020 AFN to HRK Historical Review

YEARLY HIGH

0.0941 HRK

YEARLY LOW

0.0794 HRK

YEARLY AVERAGE

0.0861 HRK

2020 AFN to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the AFN to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on March 19, valuing the pair at 0.0941. Conversely, the yearly low was recorded on December 30, dropping to 0.0794.

This high-to-low spread represents a total annual volatility of 0.0147 HRK. From a start-to-finish perspective, comparing the January average rate of 0.0868 to the December average rate of 0.0804, the exchange rate registered a net change of -7.43% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.0941 was up 6.63% compared to the 2019 peak of 0.0883, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 471 HRK

2019 Average 426 HRK

Yearly Trough Low 397 HRK

Transaction Impact: A difference of 73.71 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.0929

0.0793

JanuMarcMayJulySeptNove

AFN 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 0.0892, compared to 0.0830 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0062 points.

H1 Avg (Jan–Jun) 0.0892

H2 Avg (Jul–Dec) 0.0830

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.0076 HRK (High: 0.0941 / Low: 0.0866). On the other end, August was the most stable month, with a tight range of 0.0014 HRK (High: 0.0829 / Low: 0.0815).

March Spread (Volatile) ±0.0076

August Spread (Stable) ±0.0014

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 May and June, when the average rate fell by 0.0037 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0037

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (March 2020: 0.0898) against the same month in 2019 (average: 0.0871), the exchange rate shifted by +0.0027 (+3.09%).

2020 Avg (March) 0.0898

2019 Avg (March) 0.0871

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0883	0.0850	0.0868
February	0.0895	0.0864	0.0888
March	0.0941	0.0866	0.0898
April	0.0928	0.0904	0.0917
May	0.0919	0.0893	0.0908
June	0.0889	0.0863	0.0870
July	0.0872	0.0821	0.0853
August	0.0829	0.0815	0.0823
September	0.0844	0.0822	0.0833
October	0.0846	0.0831	0.0838
November	0.0846	0.0820	0.0829
December	0.0812	0.0794	0.0804