2020 HRK to NGN Historical Review

YEARLY HIGH

63.7833 NGN

YEARLY LOW

51.2928 NGN

YEARLY AVERAGE

57.5908 NGN

2020 HRK to NGN Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HRK to NGN exchange rate experienced significant fluctuation. The market reached its absolute peak on December 25, valuing the pair at 63.7833. Conversely, the yearly low was recorded on March 19, dropping to 51.2928.

This high-to-low spread represents a total annual volatility of 12.4905 NGN. From a start-to-finish perspective, comparing the January average rate of 54.0377 to the December average rate of 61.9632, the exchange rate registered a net change of 14.67% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 63.7833 was up 12.21% compared to the 2019 peak of 56.8436, 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 318,917 NGN

2019 Average 271,703 NGN

Yearly Trough Low 256,464 NGN

Transaction Impact: A difference of 62,452.58 NGN purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

62.8279

52.4517

JanuMarcMayJulySeptNove

HRK to NGN 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 55.0476, compared to 60.1341 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 5.0864 points.

H1 Avg (Jan–Jun) 55.0476

H2 Avg (Jul–Dec) 60.1341

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 5.3473 NGN (High: 56.6402 / Low: 51.2928). On the other end, February was the most stable month, with a tight range of 1.2783 NGN (High: 54.0390 / Low: 52.7607).

March Spread (Volatile) ±5.3473

February Spread (Stable) ±1.2783

Growth Streaks & Declines

Trends

Between February and August, 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 August and September, when the average rate fell by 0.7435 points.

Longest Streak 6 Mo.

Sharpest MoM Drop -0.7435

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2020: 61.9632) against the same month in 2019 (average: 54.1404), the exchange rate shifted by +7.8228 (+14.45%).

2020 Avg (December) 61.9632

2019 Avg (December) 54.1404

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	55.1459	53.6521	54.0377
February	54.0390	52.7607	53.3164
March	56.6402	51.2928	54.1772
April	56.3620	51.9972	55.0928
May	56.6728	55.3742	56.0564
June	58.1876	56.7394	57.6051
July	61.5154	57.6373	58.9985
August	61.4580	59.7789	60.7019
September	61.2091	58.6176	59.9584
October	59.9915	58.5521	59.3531
November	60.5658	58.5490	59.8293
December	63.7833	60.8728	61.9632