2020 KZT to HRK Historical Review

YEARLY HIGH

0.0184 HRK

YEARLY LOW

0.0146 HRK

YEARLY AVERAGE

0.0160 HRK

2020 KZT to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the KZT to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on February 20, valuing the pair at 0.0184. Conversely, the yearly low was recorded on December 30, dropping to 0.0146.

This high-to-low spread represents a total annual volatility of 0.0038 HRK. From a start-to-finish perspective, comparing the January average rate of 0.0177 to the December average rate of 0.0147, the exchange rate registered a net change of -16.74% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.0184 was up 4.06% compared to the 2019 peak of 0.0176, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 92 HRK

2019 Average 87 HRK

Yearly Trough Low 73 HRK

Transaction Impact: A difference of 19.03 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.0184

0.0144

JanuMarcMayJulySeptNove

KZT 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 0.0169, compared to 0.0151 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0018 points.

H1 Avg (Jan–Jun) 0.0169

H2 Avg (Jul–Dec) 0.0151

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.0026 HRK (High: 0.0179 / Low: 0.0153). On the other end, October was the most stable month, with a tight range of 0.0002 HRK (High: 0.0151 / Low: 0.0149).

March Spread (Volatile) ±0.0026

October Spread (Stable) ±0.0002

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 0.0017 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0017

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (February 2020: 0.0181) against the same month in 2019 (average: 0.0173), the exchange rate shifted by +0.0008 (+4.38%).

2020 Avg (February) 0.0181

2019 Avg (February) 0.0173

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0178	0.0172	0.0177
February	0.0184	0.0177	0.0181
March	0.0179	0.0153	0.0164
April	0.0164	0.0155	0.0161
May	0.0168	0.0162	0.0166
June	0.0169	0.0164	0.0167
July	0.0165	0.0150	0.0159
August	0.0152	0.0150	0.0151
September	0.0152	0.0149	0.0151
October	0.0151	0.0149	0.0150
November	0.0150	0.0147	0.0149
December	0.0149	0.0146	0.0147