2020 HRK to NPR Historical Review

YEARLY HIGH

19.2026 NPR

YEARLY LOW

16.5770 NPR

YEARLY AVERAGE

17.9420 NPR

2020 HRK to NPR Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HRK to NPR exchange rate experienced significant fluctuation. The market reached its absolute peak on December 21, valuing the pair at 19.2026. Conversely, the yearly low was recorded on February 19, dropping to 16.5770.

This high-to-low spread represents a total annual volatility of 2.6256 NPR. From a start-to-finish perspective, comparing the January average rate of 17.0006 to the December average rate of 19.0149, the exchange rate registered a net change of 11.85% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 19.2026 was up 8.52% compared to the 2019 peak of 17.6956, 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 96,013 NPR

2019 Average 84,946 NPR

Yearly Trough Low 82,885 NPR

Transaction Impact: A difference of 13,128.16 NPR purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

19.2418

16.5189

JanuMarcMayJulySeptNove

HRK to NPR 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 17.3336, compared to 18.5503 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 1.2168 points.

H1 Avg (Jan–Jun) 17.3336

H2 Avg (Jul–Dec) 18.5503

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 1.2308 NPR (High: 17.9966 / Low: 16.7657). On the other end, September was the most stable month, with a tight range of 0.3435 NPR (High: 18.4955 / Low: 18.1520).

March Spread (Volatile) ±1.2308

September Spread (Stable) ±0.3435

Growth Streaks & Declines

Trends

Between May and August, 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 August and September, when the average rate fell by 0.4454 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.4454

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2020: 19.0149) against the same month in 2019 (average: 17.0031), the exchange rate shifted by +2.0118 (+11.83%).

2020 Avg (December) 19.0149

2019 Avg (December) 17.0031

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	17.2920	16.8796	17.0006
February	17.0522	16.5770	16.7458
March	17.9966	16.7657	17.3763
April	17.6504	17.1851	17.4365
May	17.7133	17.2199	17.4251
June	18.2699	17.7057	18.0171
July	18.9636	17.7699	18.2479
August	19.0546	18.5200	18.7989
September	18.4955	18.1520	18.3536
October	18.4512	18.1072	18.2795
November	18.7531	18.3155	18.6073
December	19.2026	18.8424	19.0149