2020 HRK to GNF Historical Review

YEARLY HIGH

1630.8244 GNF

YEARLY LOW

1321.8485 GNF

YEARLY AVERAGE

1457.5389 GNF

2020 HRK to GNF Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HRK to GNF exchange rate experienced significant fluctuation. The market reached its absolute peak on December 30, valuing the pair at 1630.8244. Conversely, the yearly low was recorded on March 21, dropping to 1321.8485.

This high-to-low spread represents a total annual volatility of 308.9758 GNF. From a start-to-finish perspective, comparing the January average rate of 1414.7931 to the December average rate of 1605.1555, the exchange rate registered a net change of 13.46% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 1630.8244 was up 13.12% compared to the 2019 peak of 1441.6549, 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 8,154,122 GNF

2019 Average 6,964,957 GNF

Yearly Trough Low 6,609,243 GNF

Transaction Impact: A difference of 1,544,879.25 GNF purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

1629.7774

1334.3137

JanuMarcMayJulySeptNove

HRK to GNF 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 1388.4987, compared to 1526.5790 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 138.0803 points.

H1 Avg (Jan–Jun) 1388.4987

H2 Avg (Jul–Dec) 1526.5790

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 121.3970 GNF (High: 1443.2455 / Low: 1321.8485). On the other end, August was the most stable month, with a tight range of 22.0145 GNF (High: 1533.8068 / Low: 1511.7923).

March Spread (Volatile) ±121.3970

August Spread (Stable) ±22.0145

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 January and February, when the average rate fell by 27.7536 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -27.7536

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2020: 1605.1555) against the same month in 2019 (average: 1415.3218), the exchange rate shifted by +189.8337 (+13.41%).

2020 Avg (December) 1605.1555

2019 Avg (December) 1415.3218

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	1445.8414	1392.7626	1414.7931
February	1419.5807	1371.7498	1387.0395
March	1443.2455	1321.8485	1385.0485
April	1374.7257	1333.9996	1358.9356
May	1393.7235	1343.6955	1364.6815
June	1435.9577	1396.3408	1420.4940
July	1527.6109	1431.9738	1465.3121
August	1533.8068	1511.7923	1519.7386
September	1530.2647	1499.7183	1515.9558
October	1533.9413	1504.1977	1519.4967
November	1555.2943	1505.1164	1533.8156
December	1630.8244	1573.3340	1605.1555