2020 HRK to KMF Historical Review

YEARLY HIGH

3310.1018 KMF

YEARLY LOW

64.0466 KMF

YEARLY AVERAGE

74.0698 KMF

2020 HRK to KMF Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HRK to KMF exchange rate experienced significant fluctuation. The market reached its absolute peak on December 15, valuing the pair at 3310.1018. Conversely, the yearly low was recorded on April 2, dropping to 64.0466.

This high-to-low spread represents a total annual volatility of 3246.0552 KMF. From a start-to-finish perspective, comparing the January average rate of 66.1560 to the December average rate of 169.9714, the exchange rate registered a net change of 156.93% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 3310.1018 was down 1.79% compared to the 2019 peak of 3370.5111, 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 16,550,509 KMF

2019 Average 377,103 KMF

Yearly Trough Low 320,233 KMF

Transaction Impact: A difference of 16,230,275.78 KMF purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

180.4800

54.3765

JanuMarcMayJulySeptNove

HRK to KMF 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 65.3925, compared to 82.7472 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 17.3548 points.

H1 Avg (Jan–Jun) 65.3925

H2 Avg (Jul–Dec) 82.7472

Volatility Range Comparison

Volatility

The most volatile month in 2020 was December, with a trading range of 3244.9774 KMF (High: 3310.1018 / Low: 65.1243). On the other end, January was the most stable month, with a tight range of 0.3946 KMF (High: 66.3392 / Low: 65.9446).

December Spread (Volatile) ±3244.9774

January Spread (Stable) ±0.3946

Growth Streaks & Declines

Trends

Between June and August, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 2 straight months. Conversely, the sharpest month-over-month decline occurred between February and March, when the average rate fell by 0.8359 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.8359

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2020: 169.9714) against the same month in 2019 (average: 66.2146), the exchange rate shifted by +103.7568 (+156.70%).

2020 Avg (December) 169.9714

2019 Avg (December) 66.2146

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	66.3392	65.9446	66.1560
February	66.4996	65.7158	66.0632
March	66.6522	64.2671	65.2273
April	65.3851	64.0466	64.8851
May	65.4663	64.8214	65.0213
June	65.5293	64.4320	65.0019
July	66.2915	65.0713	65.4761
August	66.7477	64.6304	65.5154
September	65.6730	64.7768	65.3175
October	65.7580	64.6044	65.0443
November	65.7938	64.8511	65.1585
December	3310.1018	65.1243	169.9714