2020 HRK to NAD Historical Review

YEARLY HIGH

2.8156 NAD

YEARLY LOW

2.0989 NAD

YEARLY AVERAGE

2.4923 NAD

2020 HRK to NAD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HRK to NAD exchange rate experienced significant fluctuation. The market reached its absolute peak on October 5, valuing the pair at 2.8156. Conversely, the yearly low was recorded on January 4, dropping to 2.0989.

This high-to-low spread represents a total annual volatility of 0.7167 NAD. From a start-to-finish perspective, comparing the January average rate of 2.1415 to the December average rate of 2.4011, the exchange rate registered a net change of 12.12% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 2.8156 was down 49.19% compared to the 2019 peak of 5.5411, 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 14,078 NAD

2019 Average 10,944 NAD

Yearly Trough Low 10,494 NAD

Transaction Impact: A difference of 3,583.55 NAD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

2.7920

2.0823

JanuMarcMayJulySeptNove

HRK to NAD 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 2.4305, compared to 2.5542 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.1237 points.

H1 Avg (Jan–Jun) 2.4305

H2 Avg (Jul–Dec) 2.5542

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.3219 NAD (High: 2.5950 / Low: 2.2731). On the other end, December was the most stable month, with a tight range of 0.0966 NAD (High: 2.4544 / Low: 2.3578).

March Spread (Volatile) ±0.3219

December Spread (Stable) ±0.0966

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 October and November, when the average rate fell by 0.1475 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.1475

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (October 2020: 2.5825) against the same month in 2019 (average: 2.2163), the exchange rate shifted by +0.3662 (+16.52%).

2020 Avg (October) 2.5825

2019 Avg (October) 2.2163

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	2.2027	2.0989	2.1415
February	2.2731	2.1585	2.1930
March	2.5950	2.2731	2.4283
April	2.7204	2.5528	2.6560
May	2.6912	2.5245	2.6189
June	2.5811	2.4828	2.5451
July	2.6258	2.5174	2.5484
August	2.7897	2.6218	2.7328
September	2.7485	2.5494	2.6254
October	2.8156	2.5057	2.5825
November	2.5124	2.3909	2.4350
December	2.4544	2.3578	2.4011