2020 BAM to HRK Historical Review
A comprehensive breakdown of exchange rate performance throughout the year 2020.
2020 BAM to HRK Performance & Market Timing Review
Analysis of key historical highlights and timing insights for 2020
During 2020, the BAM to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on March 19, valuing the pair at 3.9274. Conversely, the yearly low was recorded on February 2, dropping to 3.7872.
This high-to-low spread represents a total annual volatility of 0.1402 HRK. From a start-to-finish perspective, comparing the January average rate of 3.8059 to the December average rate of 3.8553, the exchange rate registered a net change of 1.30% (reflecting a strengthening trend).
Looking at year-over-year peak valuations, the 2020 high of 3.9274 was up 2.43% compared to the 2019 peak of 3.8341, indicating shifts in long-term support levels.
Comparing the value generated converting 5,000 BAM based on timing:
Trend Visualization
Monthly average fluctuations over the course of 2020.
BAM to HRK Seasonal Trends & Volatility Analysis
A structured review of seasonal halves, trading extremes, consecutive streaks, and historical baselines.
Seasonal Halves (H1 vs H2)
SeasonalThe average exchange rate in the first half of the year (H1: Jan–Jun) was 3.8507, compared to 3.8550 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0043 points.
Volatility Range Comparison
VolatilityThe most volatile month in 2020 was March, with a trading range of 0.1197 HRK (High: 3.9274 / Low: 3.8076). On the other end, October was the most stable month, with a tight range of 0.0300 HRK (High: 3.8895 / Low: 3.8595).
Growth Streaks & Declines
TrendsBetween 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 0.0258 points.
Same-Month Historical Baseline
YoY BaselineComparing the current year's strongest month average (March 2020: 3.8703) against the same month in 2019 (average: 3.7984), the exchange rate shifted by +0.0719 (+1.89%).
Monthly Breakdown
Statistical summary for each calendar month.
| Month | High | Low | Average |
|---|---|---|---|
| January | 3.8204 | 3.7872 | 3.8059 |
| February | 3.8266 | 3.7872 | 3.8088 |
| March | 3.9274 | 3.8076 | 3.8703 |
| April | 3.9107 | 3.8445 | 3.8803 |
| May | 3.8923 | 3.8282 | 3.8691 |
| June | 3.8986 | 3.8254 | 3.8696 |
| July | 3.8794 | 3.7885 | 3.8438 |
| August | 3.8820 | 3.8026 | 3.8364 |
| September | 3.8782 | 3.8366 | 3.8592 |
| October | 3.8895 | 3.8595 | 3.8723 |
| November | 3.8858 | 3.8310 | 3.8630 |
| December | 3.8790 | 3.8280 | 3.8553 |