2020 ETB to HRK Historical Review

YEARLY HIGH

0.2184 HRK

YEARLY LOW

0.1560 HRK

YEARLY AVERAGE

0.1904 HRK

2020 ETB to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the ETB to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on March 20, valuing the pair at 0.2184. Conversely, the yearly low was recorded on December 30, dropping to 0.1560.

This high-to-low spread represents a total annual volatility of 0.0624 HRK. From a start-to-finish perspective, comparing the January average rate of 0.2091 to the December average rate of 0.1601, the exchange rate registered a net change of -23.45% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.2184 was down 6.23% compared to the 2019 peak of 0.2330, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 1,092 HRK

2019 Average 1,135 HRK

Yearly Trough Low 780 HRK

Transaction Impact: A difference of 311.97 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.2180

0.1548

JanuMarcMayJulySeptNove

ETB 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 0.2074, compared to 0.1735 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0340 points.

H1 Avg (Jan–Jun) 0.2074

H2 Avg (Jul–Dec) 0.1735

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.0153 HRK (High: 0.2184 / Low: 0.2031). On the other end, January was the most stable month, with a tight range of 0.0044 HRK (High: 0.2113 / Low: 0.2069).

March Spread (Volatile) ±0.0153

January Spread (Stable) ±0.0044

Growth Streaks & Declines

Trends

No sustained consecutive month-over-month growth streak of 2+ months occurred in 2020. Conversely, the sharpest month-over-month decline occurred between May and June, when the average rate fell by 0.0102 points.

Longest Streak 1 Mo.

Sharpest MoM Drop -0.0102

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (March 2020: 0.2099) against the same month in 2019 (average: 0.2302), the exchange rate shifted by -0.0202 (-8.79%).

2020 Avg (March) 0.2099

2019 Avg (March) 0.2302

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.2113	0.2069	0.2091
February	0.2159	0.2090	0.2127
March	0.2184	0.2031	0.2099
April	0.2152	0.2075	0.2114
May	0.2107	0.1999	0.2057
June	0.1993	0.1922	0.1955
July	0.1932	0.1792	0.1868
August	0.1805	0.1749	0.1775
September	0.1769	0.1722	0.1747
October	0.1754	0.1703	0.1730
November	0.1719	0.1658	0.1686
December	0.1637	0.1560	0.1601