2020 NPR to HRK Historical Review

YEARLY HIGH

0.0603 HRK

YEARLY LOW

0.0521 HRK

YEARLY AVERAGE

0.0558 HRK

2020 NPR to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the NPR to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on February 19, valuing the pair at 0.0603. Conversely, the yearly low was recorded on December 21, dropping to 0.0521.

This high-to-low spread represents a total annual volatility of 0.0082 HRK. From a start-to-finish perspective, comparing the January average rate of 0.0588 to the December average rate of 0.0526, the exchange rate registered a net change of -10.60% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.0603 was down 0.42% compared to the 2019 peak of 0.0606, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 302 HRK

2019 Average 294 HRK

Yearly Trough Low 260 HRK

Transaction Impact: A difference of 41.24 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.0604

0.0519

JanuMarcMayJulySeptNove

NPR 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 0.0577, compared to 0.0539 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0038 points.

H1 Avg (Jan–Jun) 0.0577

H2 Avg (Jul–Dec) 0.0539

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.0041 HRK (High: 0.0596 / Low: 0.0556). On the other end, December was the most stable month, with a tight range of 0.0010 HRK (High: 0.0531 / Low: 0.0521).

March Spread (Volatile) ±0.0041

December Spread (Stable) ±0.0010

Growth Streaks & Declines

Trends

Between August and October, 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 0.0022 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0022

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (February 2020: 0.0597) against the same month in 2019 (average: 0.0574), the exchange rate shifted by +0.0023 (+4.01%).

2020 Avg (February) 0.0597

2019 Avg (February) 0.0574

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0592	0.0578	0.0588
February	0.0603	0.0586	0.0597
March	0.0596	0.0556	0.0576
April	0.0582	0.0567	0.0574
May	0.0581	0.0565	0.0574
June	0.0565	0.0547	0.0555
July	0.0563	0.0527	0.0548
August	0.0540	0.0525	0.0532
September	0.0551	0.0541	0.0545
October	0.0552	0.0542	0.0547
November	0.0546	0.0533	0.0537
December	0.0531	0.0521	0.0526