2020 NAD to HRK Historical Review

YEARLY HIGH

0.4764 HRK

YEARLY LOW

0.3552 HRK

YEARLY AVERAGE

0.4034 HRK

2020 NAD to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the NAD to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on January 3, valuing the pair at 0.4764. Conversely, the yearly low was recorded on October 5, dropping to 0.3552.

This high-to-low spread represents a total annual volatility of 0.1213 HRK. From a start-to-finish perspective, comparing the January average rate of 0.4670 to the December average rate of 0.4166, the exchange rate registered a net change of -10.80% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.4764 was down 2.04% compared to the 2019 peak of 0.4864, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 2,382 HRK

2019 Average 2,292 HRK

Yearly Trough Low 1,776 HRK

Transaction Impact: A difference of 606.39 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.4771

0.3559

JanuMarcMayJulySeptNove

NAD 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 0.4145, compared to 0.3924 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0221 points.

H1 Avg (Jan–Jun) 0.4145

H2 Avg (Jul–Dec) 0.3924

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.0546 HRK (High: 0.4399 / Low: 0.3854). On the other end, June was the most stable month, with a tight range of 0.0153 HRK (High: 0.4028 / Low: 0.3874).

March Spread (Volatile) ±0.0546

June Spread (Stable) ±0.0153

Growth Streaks & Declines

Trends

Between August and December, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 4 straight months. Conversely, the sharpest month-over-month decline occurred between February and March, when the average rate fell by 0.0437 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.0437

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2020: 0.4670) against the same month in 2019 (average: 0.4686), the exchange rate shifted by -0.0016 (-0.35%).

2020 Avg (January) 0.4670

2019 Avg (January) 0.4686

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.4764	0.4540	0.4670
February	0.4633	0.4399	0.4561
March	0.4399	0.3854	0.4124
April	0.3917	0.3676	0.3767
May	0.3961	0.3716	0.3820
June	0.4028	0.3874	0.3930
July	0.3972	0.3808	0.3925
August	0.3814	0.3585	0.3660
September	0.3923	0.3638	0.3810
October	0.3991	0.3552	0.3876
November	0.4182	0.3980	0.4108
December	0.4241	0.4074	0.4166