2020 NIO to HRK Historical Review

YEARLY HIGH

0.2109 HRK

YEARLY LOW

0.1760 HRK

YEARLY AVERAGE

0.1924 HRK

2020 NIO to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the NIO to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on March 19, valuing the pair at 0.2109. Conversely, the yearly low was recorded on December 30, dropping to 0.1760.

This high-to-low spread represents a total annual volatility of 0.0349 HRK. From a start-to-finish perspective, comparing the January average rate of 0.1975 to the December average rate of 0.1777, the exchange rate registered a net change of -10.01% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.2109 was up 4.16% compared to the 2019 peak of 0.2025, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 1,054 HRK

2019 Average 997 HRK

Yearly Trough Low 880 HRK

Transaction Impact: A difference of 174.59 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.2076

0.1750

JanuMarcMayJulySeptNove

NIO 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 0.2010, compared to 0.1838 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0172 points.

H1 Avg (Jan–Jun) 0.2010

H2 Avg (Jul–Dec) 0.1838

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.0170 HRK (High: 0.2109 / Low: 0.1939). On the other end, August was the most stable month, with a tight range of 0.0034 HRK (High: 0.1842 / Low: 0.1808).

March Spread (Volatile) ±0.0170

August Spread (Stable) ±0.0034

Growth Streaks & Declines

Trends

Between January and April, 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 July and August, when the average rate fell by 0.0075 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0075

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (March 2020: 0.2016) against the same month in 2019 (average: 0.2002), the exchange rate shifted by +0.0014 (+0.70%).

2020 Avg (March) 0.2016

2019 Avg (March) 0.2002

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.1991	0.1956	0.1975
February	0.2035	0.1965	0.2009
March	0.2109	0.1939	0.2016
April	0.2082	0.2003	0.2049
May	0.2075	0.2003	0.2042
June	0.2009	0.1938	0.1968
July	0.1977	0.1820	0.1900
August	0.1842	0.1808	0.1825
September	0.1872	0.1810	0.1841
October	0.1872	0.1835	0.1852
November	0.1872	0.1812	0.1831
December	0.1795	0.1760	0.1777