2020 HRK to ISK Historical Review

YEARLY HIGH

22.0071 ISK

YEARLY LOW

18.2330 ISK

YEARLY AVERAGE

20.4837 ISK

2020 HRK to ISK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HRK to ISK exchange rate experienced significant fluctuation. The market reached its absolute peak on September 9, valuing the pair at 22.0071. Conversely, the yearly low was recorded on January 1, dropping to 18.2330.

This high-to-low spread represents a total annual volatility of 3.7740 ISK. From a start-to-finish perspective, comparing the January average rate of 18.4181 to the December average rate of 20.5614, the exchange rate registered a net change of 11.64% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 22.0071 was up 14.64% compared to the 2019 peak of 19.1964, 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 110,035 ISK

2019 Average 92,484 ISK

Yearly Trough Low 91,165 ISK

Transaction Impact: A difference of 18,870.07 ISK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

21.9170

18.1000

JanuMarcMayJulySeptNove

HRK to ISK 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 19.6887, compared to 21.2788 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 1.5901 points.

H1 Avg (Jan–Jun) 19.6887

H2 Avg (Jul–Dec) 21.2788

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 1.8093 ISK (High: 20.5093 / Low: 18.7000). On the other end, January was the most stable month, with a tight range of 0.2952 ISK (High: 18.5282 / Low: 18.2330).

March Spread (Volatile) ±1.8093

January Spread (Stable) ±0.2952

Growth Streaks & Declines

Trends

Between January and April, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 3 straight months. Conversely, the sharpest month-over-month decline occurred between November and December, when the average rate fell by 0.8255 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.8255

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (September 2020: 21.5329) against the same month in 2019 (average: 18.5783), the exchange rate shifted by +2.9546 (+15.90%).

2020 Avg (September) 21.5329

2019 Avg (September) 18.5783

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	18.5282	18.2330	18.4181
February	18.7034	18.3315	18.5285
March	20.5093	18.7000	19.6810
April	21.1022	20.3541	20.6713
May	21.0570	19.8678	20.6511
June	20.7326	19.6557	20.1820
July	21.5082	20.5916	21.0523
August	21.7993	21.4010	21.5400
September	22.0071	21.2583	21.5329
October	21.8091	21.4462	21.5989
November	21.7442	21.0214	21.3869
December	20.9219	20.1267	20.5614