2020 HRK to BND Historical Review

YEARLY HIGH

0.2183 BND

YEARLY LOW

0.2002 BND

YEARLY AVERAGE

0.2087 BND

2020 HRK to BND Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HRK to BND exchange rate experienced significant fluctuation. The market reached its absolute peak on August 6, valuing the pair at 0.2183. Conversely, the yearly low was recorded on January 26, dropping to 0.2002.

This high-to-low spread represents a total annual volatility of 0.0181 BND. From a start-to-finish perspective, comparing the January average rate of 0.2015 to the December average rate of 0.2151, the exchange rate registered a net change of 6.73% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.2183 was down 10.95% compared to the 2019 peak of 0.2452, 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 1,092 BND

2019 Average 1,037 BND

Yearly Trough Low 1,001 BND

Transaction Impact: A difference of 90.53 BND purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.2173

0.2001

JanuMarcMayJulySeptNove

HRK to BND 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 0.2045, compared to 0.2130 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0085 points.

H1 Avg (Jan–Jun) 0.2045

H2 Avg (Jul–Dec) 0.2130

Volatility Range Comparison

Volatility

The most volatile month in 2020 was July, with a trading range of 0.0110 BND (High: 0.2181 / Low: 0.2071). On the other end, October was the most stable month, with a tight range of 0.0026 BND (High: 0.2124 / Low: 0.2098).

July Spread (Volatile) ±0.0110

October Spread (Stable) ±0.0026

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 0.0030 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.0030

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (August 2020: 0.2158) against the same month in 2019 (average: 0.2034), the exchange rate shifted by +0.0124 (+6.12%).

2020 Avg (August) 0.2158

2019 Avg (August) 0.2034

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.2037	0.2002	0.2015
February	0.2059	0.2014	0.2035
March	0.2104	0.2028	0.2069
April	0.2059	0.2025	0.2039
May	0.2074	0.2023	0.2041
June	0.2099	0.2056	0.2072
July	0.2181	0.2071	0.2113
August	0.2183	0.2142	0.2158
September	0.2150	0.2108	0.2134
October	0.2124	0.2098	0.2112
November	0.2127	0.2099	0.2111
December	0.2169	0.2137	0.2151