2020 HRK to BZD Historical Review

YEARLY HIGH

0.3284 BZD

YEARLY LOW

0.2813 BZD

YEARLY AVERAGE

0.3051 BZD

2020 HRK to BZD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HRK to BZD exchange rate experienced significant fluctuation. The market reached its absolute peak on December 30, valuing the pair at 0.3284. Conversely, the yearly low was recorded on March 19, dropping to 0.2813.

This high-to-low spread represents a total annual volatility of 0.0471 BZD. From a start-to-finish perspective, comparing the January average rate of 0.3007 to the December average rate of 0.3254, the exchange rate registered a net change of 8.22% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.3284 was up 4.69% compared to the 2019 peak of 0.3137, 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 1,642 BZD

2019 Average 1,521 BZD

Yearly Trough Low 1,407 BZD

Transaction Impact: A difference of 235.55 BZD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.3291

0.2843

JanuMarcMayJulySeptNove

HRK to BZD 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 0.2947, compared to 0.3155 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0209 points.

H1 Avg (Jan–Jun) 0.2947

H2 Avg (Jul–Dec) 0.3155

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.0244 BZD (High: 0.3057 / Low: 0.2813). On the other end, October was the most stable month, with a tight range of 0.0054 BZD (High: 0.3155 / Low: 0.3101).

March Spread (Volatile) ±0.0244

October Spread (Stable) ±0.0054

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 0.0061 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.0061

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2020: 0.3254) against the same month in 2019 (average: 0.3009), the exchange rate shifted by +0.0245 (+8.14%).

2020 Avg (December) 0.3254

2019 Avg (December) 0.3009

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.3052	0.2984	0.3007
February	0.3004	0.2919	0.2952
March	0.3057	0.2813	0.2941
April	0.2913	0.2849	0.2880
May	0.2947	0.2876	0.2903
June	0.3026	0.2954	0.2997
July	0.3196	0.2997	0.3067
August	0.3210	0.3145	0.3173
September	0.3192	0.3106	0.3150
October	0.3155	0.3101	0.3131
November	0.3191	0.3100	0.3157
December	0.3284	0.3223	0.3254