2020 HRK to VND Historical Review

YEARLY HIGH

3774.0327 VND

YEARLY LOW

3278.4141 VND

YEARLY AVERAGE

3515.8912 VND

2020 HRK to VND Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HRK to VND exchange rate experienced significant fluctuation. The market reached its absolute peak on December 20, valuing the pair at 3774.0327. Conversely, the yearly low was recorded on March 21, dropping to 3278.4141.

This high-to-low spread represents a total annual volatility of 495.6187 VND. From a start-to-finish perspective, comparing the January average rate of 3456.3839 to the December average rate of 3730.9451, the exchange rate registered a net change of 7.94% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 3774.0327 was up 4.77% compared to the 2019 peak of 3602.2248, 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 18,870,164 VND

2019 Average 17,522,980 VND

Yearly Trough Low 16,392,070 VND

Transaction Impact: A difference of 2,478,093.28 VND purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

3768.5986

3316.7565

JanuMarcMayJulySeptNove

HRK to VND 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 3405.1069, compared to 3626.6755 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 221.5686 points.

H1 Avg (Jan–Jun) 3405.1069

H2 Avg (Jul–Dec) 3626.6755

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 250.8709 VND (High: 3529.2850 / Low: 3278.4141). On the other end, August was the most stable month, with a tight range of 62.1356 VND (High: 3691.2784 / Low: 3629.1429).

March Spread (Volatile) ±250.8709

August Spread (Stable) ±62.1356

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 January and February, when the average rate fell by 55.1431 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -55.1431

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2020: 3730.9451) against the same month in 2019 (average: 3459.7242), the exchange rate shifted by +271.2209 (+7.84%).

2020 Avg (December) 3730.9451

2019 Avg (December) 3459.7242

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	3493.1715	3426.7389	3456.3839
February	3455.6012	3365.5283	3401.2408
March	3529.2850	3278.4141	3408.1275
April	3386.1398	3320.5615	3356.6502
May	3413.6288	3316.1247	3354.4100
June	3487.9001	3404.4839	3453.8289
July	3669.9386	3436.1676	3522.9123
August	3691.2784	3629.1429	3651.7281
September	3691.1042	3571.6061	3625.1253
October	3629.5641	3565.7460	3601.0490
November	3672.2379	3566.6753	3628.2933
December	3774.0327	3666.0511	3730.9451