2020 ISK to HRK Historical Review

YEARLY HIGH

0.0548 HRK

YEARLY LOW

0.0454 HRK

YEARLY AVERAGE

0.0490 HRK

2020 ISK to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the ISK to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on January 1, valuing the pair at 0.0548. Conversely, the yearly low was recorded on September 9, dropping to 0.0454.

This high-to-low spread represents a total annual volatility of 0.0094 HRK. From a start-to-finish perspective, comparing the January average rate of 0.0543 to the December average rate of 0.0486, the exchange rate registered a net change of -10.42% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.0548 was down 2.35% compared to the 2019 peak of 0.0562, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

Comparing the value generated converting 5,000 ISK based on timing:

Yearly Peak High 274 HRK

2019 Average 270 HRK

Yearly Trough Low 227 HRK

Transaction Impact: A difference of 47.03 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.0551

0.0455

JanuMarcMayJulySeptNove

ISK to HRK 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 0.0509, compared to 0.0470 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0039 points.

H1 Avg (Jan–Jun) 0.0509

H2 Avg (Jul–Dec) 0.0470

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.0047 HRK (High: 0.0535 / Low: 0.0488). On the other end, October was the most stable month, with a tight range of 0.0008 HRK (High: 0.0466 / Low: 0.0459).

March Spread (Volatile) ±0.0047

October Spread (Stable) ±0.0008

Growth Streaks & Declines

Trends

Between April and June, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 2 straight months. Conversely, the sharpest month-over-month decline occurred between February and March, when the average rate fell by 0.0031 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0031

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2020: 0.0543) against the same month in 2019 (average: 0.0544), the exchange rate shifted by -0.0001 (-0.13%).

2020 Avg (January) 0.0543

2019 Avg (January) 0.0544

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0548	0.0540	0.0543
February	0.0546	0.0535	0.0540
March	0.0535	0.0488	0.0508
April	0.0491	0.0474	0.0484
May	0.0503	0.0475	0.0484
June	0.0509	0.0482	0.0496
July	0.0486	0.0465	0.0475
August	0.0467	0.0459	0.0464
September	0.0470	0.0454	0.0464
October	0.0466	0.0459	0.0463
November	0.0476	0.0460	0.0468
December	0.0497	0.0478	0.0486