2020 HRK to BIF Historical Review

YEARLY HIGH

316.3863 BIF

YEARLY LOW

264.7128 BIF

YEARLY AVERAGE

289.9818 BIF

2020 HRK to BIF Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HRK to BIF exchange rate experienced significant fluctuation. The market reached its absolute peak on December 30, valuing the pair at 316.3863. Conversely, the yearly low was recorded on March 19, dropping to 264.7128.

This high-to-low spread represents a total annual volatility of 51.6735 BIF. From a start-to-finish perspective, comparing the January average rate of 281.1351 to the December average rate of 313.5462, the exchange rate registered a net change of 11.53% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 316.3863 was up 11.30% compared to the 2019 peak of 284.2665, 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 1,581,932 BIF

2019 Average 1,389,743 BIF

Yearly Trough Low 1,323,564 BIF

Transaction Impact: A difference of 258,367.61 BIF purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

317.7606

267.1880

JanuMarcMayJulySeptNove

HRK to BIF 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 277.2160, compared to 302.7475 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 25.5315 points.

H1 Avg (Jan–Jun) 277.2160

H2 Avg (Jul–Dec) 302.7475

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 22.6758 BIF (High: 287.3886 / Low: 264.7128). On the other end, October was the most stable month, with a tight range of 4.3391 BIF (High: 302.8704 / Low: 298.5313).

March Spread (Volatile) ±22.6758

October Spread (Stable) ±4.3391

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 5.0379 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -5.0379

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2020: 313.5462) against the same month in 2019 (average: 280.3005), the exchange rate shifted by +33.2457 (+11.86%).

2020 Avg (December) 313.5462

2019 Avg (December) 280.3005

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	283.4197	279.0665	281.1351
February	281.8173	273.2965	276.5251
March	287.3886	264.7128	276.4403
April	274.5442	267.5462	271.4024
May	279.0494	271.3283	274.1969
June	285.7176	278.5312	283.5961
July	305.4016	284.3108	292.8748
August	306.9964	300.9785	303.9131
September	305.6346	297.4788	301.8333
October	302.8704	298.5313	300.5954
November	307.4638	297.7127	303.7223
December	316.3863	310.3772	313.5462