2020 HRK to KZT Historical Review

YEARLY HIGH

68.6814 KZT

YEARLY LOW

54.4483 KZT

YEARLY AVERAGE

62.7112 KZT

2020 HRK to KZT Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HRK to KZT exchange rate experienced significant fluctuation. The market reached its absolute peak on December 30, valuing the pair at 68.6814. Conversely, the yearly low was recorded on February 20, dropping to 54.4483.

This high-to-low spread represents a total annual volatility of 14.2330 KZT. From a start-to-finish perspective, comparing the January average rate of 56.5730 to the December average rate of 67.9438, the exchange rate registered a net change of 20.10% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 68.6814 was up 15.69% compared to the 2019 peak of 59.3671, 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 343,407 KZT

2019 Average 289,029 KZT

Yearly Trough Low 272,242 KZT

Transaction Impact: A difference of 71,165.10 KZT purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

69.2030

54.0929

JanuMarcMayJulySeptNove

HRK to KZT 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 59.2048, compared to 66.2177 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 7.0129 points.

H1 Avg (Jan–Jun) 59.2048

H2 Avg (Jul–Dec) 66.2177

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 9.4437 KZT (High: 65.3043 / Low: 55.8607). On the other end, October was the most stable month, with a tight range of 0.8596 KZT (High: 67.1418 / Low: 66.2822).

March Spread (Volatile) ±9.4437

October Spread (Stable) ±0.8596

Growth Streaks & Declines

Trends

Between June and December, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 6 straight months. Conversely, the sharpest month-over-month decline occurred between April and May, when the average rate fell by 1.6787 points.

Longest Streak 6 Mo.

Sharpest MoM Drop -1.6787

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2020: 67.9438) against the same month in 2019 (average: 57.3667), the exchange rate shifted by +10.5772 (+18.44%).

2020 Avg (December) 67.9438

2019 Avg (December) 57.3667

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	57.9735	56.0490	56.5730
February	56.5905	54.4483	55.3520
March	65.3043	55.8607	61.1026
April	64.6115	61.0906	62.0080
May	61.5719	59.6080	60.3292
June	60.9638	59.2641	59.8640
July	66.8679	60.4744	62.8450
August	66.8085	65.7173	66.1802
September	67.2414	65.6932	66.4069
October	67.1418	66.2822	66.7544
November	67.9057	66.5646	67.1757
December	68.6814	67.2495	67.9438