2020 HRK to EUR Historical Review

YEARLY HIGH

0.1345 EUR

YEARLY LOW

0.1303 EUR

YEARLY AVERAGE

0.1326 EUR

2020 HRK to EUR Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HRK to EUR exchange rate experienced significant fluctuation. The market reached its absolute peak on January 20, valuing the pair at 0.1345. Conversely, the yearly low was recorded on May 2, dropping to 0.1303.

This high-to-low spread represents a total annual volatility of 0.0042 EUR. From a start-to-finish perspective, comparing the January average rate of 0.1343 to the December average rate of 0.1326, the exchange rate registered a net change of -1.29% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.1345 was down 1.27% compared to the 2019 peak of 0.1362, 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 672 EUR

2019 Average 674 EUR

Yearly Trough Low 651 EUR

Transaction Impact: A difference of 21.10 EUR purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.1346

0.1314

JanuMarcMayJulySeptNove

HRK to EUR 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 0.1327, compared to 0.1326 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0001 points.

H1 Avg (Jan–Jun) 0.1327

H2 Avg (Jul–Dec) 0.1326

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.0031 EUR (High: 0.1336 / Low: 0.1305). On the other end, November was the most stable month, with a tight range of 0.0004 EUR (High: 0.1324 / Low: 0.1319).

March Spread (Volatile) ±0.0031

November Spread (Stable) ±0.0004

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 February and March, when the average rate fell by 0.0022 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.0022

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2020: 0.1343) against the same month in 2019 (average: 0.1346), the exchange rate shifted by -0.0003 (-0.20%).

2020 Avg (January) 0.1343

2019 Avg (January) 0.1346

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.1345	0.1339	0.1343
February	0.1344	0.1338	0.1342
March	0.1336	0.1305	0.1320
April	0.1325	0.1310	0.1317
May	0.1329	0.1303	0.1318
June	0.1325	0.1310	0.1321
July	0.1344	0.1322	0.1328
August	0.1344	0.1325	0.1332
September	0.1329	0.1323	0.1326
October	0.1322	0.1318	0.1320
November	0.1324	0.1319	0.1322
December	0.1332	0.1324	0.1326