2020 HRK to BBD Historical Review

YEARLY HIGH

0.3258 BBD

YEARLY LOW

0.2799 BBD

YEARLY AVERAGE

0.3029 BBD

2020 HRK to BBD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HRK to BBD exchange rate experienced significant fluctuation. The market reached its absolute peak on December 30, valuing the pair at 0.3258. Conversely, the yearly low was recorded on March 19, dropping to 0.2799.

This high-to-low spread represents a total annual volatility of 0.0460 BBD. From a start-to-finish perspective, comparing the January average rate of 0.2983 to the December average rate of 0.3228, the exchange rate registered a net change of 8.21% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.3258 was up 4.72% compared to the 2019 peak of 0.3112, 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 1,629 BBD

2019 Average 1,509 BBD

Yearly Trough Low 1,399 BBD

Transaction Impact: A difference of 229.75 BBD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.3265

0.2826

JanuMarcMayJulySeptNove

HRK to BBD 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 0.2926, compared to 0.3132 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0206 points.

H1 Avg (Jan–Jun) 0.2926

H2 Avg (Jul–Dec) 0.3132

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.0241 BBD (High: 0.3039 / Low: 0.2799). On the other end, January was the most stable month, with a tight range of 0.0051 BBD (High: 0.3012 / Low: 0.2961).

March Spread (Volatile) ±0.0241

January Spread (Stable) ±0.0051

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 0.0060 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.0060

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2020: 0.3228) against the same month in 2019 (average: 0.2986), the exchange rate shifted by +0.0242 (+8.11%).

2020 Avg (December) 0.3228

2019 Avg (December) 0.2986

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.3012	0.2961	0.2983
February	0.2981	0.2896	0.2929
March	0.3039	0.2799	0.2923
April	0.2890	0.2832	0.2863
May	0.2926	0.2854	0.2881
June	0.3003	0.2932	0.2974
July	0.3171	0.2973	0.3044
August	0.3183	0.3130	0.3152
September	0.3168	0.3081	0.3125
October	0.3130	0.3078	0.3107
November	0.3166	0.3075	0.3133
December	0.3258	0.3197	0.3228