2020 DJF to HRK Historical Review

YEARLY HIGH

0.0401 HRK

YEARLY LOW

0.0345 HRK

YEARLY AVERAGE

0.0372 HRK

2020 DJF to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the DJF to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on March 19, valuing the pair at 0.0401. Conversely, the yearly low was recorded on December 30, dropping to 0.0345.

This high-to-low spread represents a total annual volatility of 0.0057 HRK. From a start-to-finish perspective, comparing the January average rate of 0.0377 to the December average rate of 0.0348, 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 0.0401 was down 9.10% compared to the 2019 peak of 0.0442, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 201 HRK

2019 Average 186 HRK

Yearly Trough Low 172 HRK

Transaction Impact: A difference of 28.31 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.0397

0.0344

JanuMarcMayJulySeptNove

DJF 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 0.0384, compared to 0.0359 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0025 points.

H1 Avg (Jan–Jun) 0.0384

H2 Avg (Jul–Dec) 0.0359

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.0032 HRK (High: 0.0401 / Low: 0.0370). On the other end, October was the most stable month, with a tight range of 0.0006 HRK (High: 0.0365 / Low: 0.0359).

March Spread (Volatile) ±0.0032

October Spread (Stable) ±0.0006

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 0.0013 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0013

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (March 2020: 0.0385) against the same month in 2019 (average: 0.0369), the exchange rate shifted by +0.0016 (+4.20%).

2020 Avg (March) 0.0385

2019 Avg (March) 0.0369

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0379	0.0373	0.0377
February	0.0388	0.0377	0.0384
March	0.0401	0.0370	0.0385
April	0.0397	0.0389	0.0392
May	0.0394	0.0384	0.0390
June	0.0383	0.0374	0.0378
July	0.0378	0.0354	0.0369
August	0.0360	0.0353	0.0357
September	0.0365	0.0355	0.0359
October	0.0365	0.0359	0.0362
November	0.0365	0.0355	0.0359
December	0.0351	0.0345	0.0348