2020 HRK to STD Historical Review

YEARLY HIGH

3407.6409 STD

YEARLY LOW

3097.6379 STD

YEARLY AVERAGE

3255.8113 STD

2020 HRK to STD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HRK to STD exchange rate experienced significant fluctuation. The market reached its absolute peak on July 29, valuing the pair at 3407.6409. Conversely, the yearly low was recorded on March 19, dropping to 3097.6379.

This high-to-low spread represents a total annual volatility of 310.0030 STD. From a start-to-finish perspective, comparing the January average rate of 3216.1386 to the December average rate of 3336.9630, the exchange rate registered a net change of 3.76% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 3407.6409 was up 2.81% compared to the 2019 peak of 3314.4376, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 17,038,204 STD

2019 Average 16,081,084 STD

Yearly Trough Low 15,488,189 STD

Transaction Impact: A difference of 1,550,014.94 STD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

3354.9877

3138.6910

JanuMarcMayJulySeptNove

HRK to STD 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 3211.4911, compared to 3300.1315 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 88.6404 points.

H1 Avg (Jan–Jun) 3211.4911

H2 Avg (Jul–Dec) 3300.1315

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 253.7963 STD (High: 3351.4342 / Low: 3097.6379). On the other end, January was the most stable month, with a tight range of 55.4150 STD (High: 3247.5725 / Low: 3192.1576).

March Spread (Volatile) ±253.7963

January Spread (Stable) ±55.4150

Growth Streaks & Declines

Trends

Between April and August, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 4 straight months. Conversely, the sharpest month-over-month decline occurred between March and April, when the average rate fell by 73.5420 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -73.5420

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (July 2020: 3317.0708) against the same month in 2019 (average: 3271.5962), the exchange rate shifted by +45.4747 (+1.39%).

2020 Avg (July) 3317.0708

2019 Avg (July) 3271.5962

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	3247.5725	3192.1576	3216.1386
February	3255.0804	3191.3888	3213.1536
March	3351.4342	3097.6379	3230.2578
April	3186.7231	3122.5606	3156.7157
May	3225.5344	3146.6826	3176.5233
June	3311.1114	3232.4170	3276.1574
July	3407.6409	3262.6317	3317.0708
August	3388.5354	3282.5241	3327.1697
September	3322.4608	3240.0549	3276.0936
October	3287.0304	3219.1005	3261.4416
November	3309.0430	3235.2813	3282.0502
December	3364.1482	3299.6727	3336.9630

૨૦૨૫ HRK થી STD ઐતિહાસિક સમીક્ષા