YEARLY HIGH
4.2974 HRK
YEARLY LOW
3.4194 HRK
YEARLY AVERAGE
3.7242 HRK

2020 ANG to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the ANG to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on February 7, valuing the pair at 4.2974. Conversely, the yearly low was recorded on December 30, dropping to 3.4194.

This high-to-low spread represents a total annual volatility of 0.8781 HRK. From a start-to-finish perspective, comparing the January average rate of 4.0244 to the December average rate of 3.4512, the exchange rate registered a net change of -14.24% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 4.2974 was up 7.67% compared to the 2019 peak of 3.9911, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 21,487 HRK
2019 Average 18,468 HRK
Yearly Trough Low 17,097 HRK
Transaction Impact: A difference of 4,390.35 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

4.0817
3.3939
JanuMarcMayJulySeptNove

ANG 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 3.8890, compared to 3.5594 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.3296 points.

H1 Avg (Jan–Jun) 3.8890
H2 Avg (Jul–Dec) 3.5594

Volatility Range Comparison

Volatility

The most volatile month in 2020 was February, with a trading range of 0.5109 HRK (High: 4.2974 / Low: 3.7865). On the other end, October was the most stable month, with a tight range of 0.0620 HRK (High: 3.6209 / Low: 3.5589).

February Spread (Volatile) ±0.5109
October Spread (Stable) ±0.0620

Growth Streaks & Declines

Trends

Between August and October, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 2 straight months. Conversely, the sharpest month-over-month decline occurred between February and March, when the average rate fell by 0.1418 points.

Longest Streak 2 Mo.
Sharpest MoM Drop -0.1418

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (February 2020: 3.9682) against the same month in 2019 (average: 3.6271), the exchange rate shifted by +0.3410 (+9.40%).

2020 Avg (February) 3.9682
2019 Avg (February) 3.6271

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 4.1347 3.9199 4.0244
February 4.2974 3.7865 3.9682
March 3.9917 3.6733 3.8264
April 3.9456 3.8547 3.8997
May 3.9041 3.8103 3.8686
June 3.8018 3.7110 3.7471
July 3.7477 3.5140 3.6617
August 3.5701 3.4985 3.5355
September 3.6157 3.5183 3.5651
October 3.6209 3.5589 3.5861
November 3.6227 3.5189 3.5570
December 3.4845 3.4194 3.4512