2020 HRK to DJF Historical Review

YEARLY HIGH

29.0052 DJF

YEARLY LOW

24.9136 DJF

YEARLY AVERAGE

26.9580 DJF

2020 HRK to DJF Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HRK to DJF exchange rate experienced significant fluctuation. The market reached its absolute peak on December 30, valuing the pair at 29.0052. Conversely, the yearly low was recorded on March 19, dropping to 24.9136.

This high-to-low spread represents a total annual volatility of 4.0916 DJF. From a start-to-finish perspective, comparing the January average rate of 26.5550 to the December average rate of 28.7367, 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 29.0052 was up 4.74% compared to the 2019 peak of 27.6924, 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 145,026 DJF

2019 Average 134,279 DJF

Yearly Trough Low 124,568 DJF

Transaction Impact: A difference of 20,458.19 DJF purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

29.0623

25.1559

JanuMarcMayJulySeptNove

HRK to DJF 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 26.0408, compared to 27.8752 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 1.8343 points.

H1 Avg (Jan–Jun) 26.0408

H2 Avg (Jul–Dec) 27.8752

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 2.1377 DJF (High: 27.0513 / Low: 24.9136). On the other end, January was the most stable month, with a tight range of 0.4501 DJF (High: 26.8111 / Low: 26.3610).

March Spread (Volatile) ±2.1377

January Spread (Stable) ±0.4501

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 0.5365 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.5365

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2020: 28.7367) against the same month in 2019 (average: 26.5787), the exchange rate shifted by +2.1581 (+8.12%).

2020 Avg (December) 28.7367

2019 Avg (December) 26.5787

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	26.8111	26.3610	26.5550
February	26.5275	25.7702	26.0744
March	27.0513	24.9136	26.0179
April	25.7314	25.2074	25.4814
May	26.0379	25.4017	25.6455
June	26.7362	26.1008	26.4707
July	28.2257	26.4644	27.0964
August	28.3309	27.7803	28.0509
September	28.1903	27.4297	27.8217
October	27.8688	27.3987	27.6590
November	28.1895	27.3750	27.8863
December	29.0052	28.4618	28.7367