2020 NZD to HRK Historical Review
A comprehensive breakdown of exchange rate performance throughout the year 2020.
2020 NZD to HRK Performance & Market Timing Review
Analysis of key historical highlights and timing insights for 2020
During 2020, the NZD to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on January 1, valuing the pair at 4.4718. Conversely, the yearly low was recorded on March 18, dropping to 3.9688.
This high-to-low spread represents a total annual volatility of 0.5029 HRK. From a start-to-finish perspective, comparing the January average rate of 4.4326 to the December average rate of 4.3964, the exchange rate registered a net change of -0.82% (reflecting a weakening trend).
Looking at year-over-year peak valuations, the 2020 high of 4.4718 was down 1.64% compared to the 2019 peak of 4.5463, indicating shifts in long-term support levels.
Comparing the value generated converting 5,000 NZD based on timing:
Trend Visualization
Monthly average fluctuations over the course of 2020.
NZD to HRK Seasonal Trends & Volatility Analysis
A structured review of seasonal halves, trading extremes, consecutive streaks, and historical baselines.
Seasonal Halves (H1 vs H2)
SeasonalThe average exchange rate in the first half of the year (H1: Jan–Jun) was 4.2819, compared to 4.3072 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0253 points.
Volatility Range Comparison
VolatilityThe most volatile month in 2020 was March, with a trading range of 0.2649 HRK (High: 4.2337 / Low: 3.9688). On the other end, September was the most stable month, with a tight range of 0.0763 HRK (High: 4.3081 / Low: 4.2318).
Growth Streaks & Declines
TrendsBetween 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 0.2286 points.
Same-Month Historical Baseline
YoY BaselineComparing the current year's strongest month average (January 2020: 4.4326) against the same month in 2019 (average: 4.4114), the exchange rate shifted by +0.0213 (+0.48%).
Monthly Breakdown
Statistical summary for each calendar month.
| Month | High | Low | Average |
|---|---|---|---|
| January | 4.4718 | 4.3371 | 4.4326 |
| February | 4.4345 | 4.2335 | 4.3640 |
| March | 4.2337 | 3.9688 | 4.1353 |
| April | 4.2735 | 4.1312 | 4.1983 |
| May | 4.2827 | 4.1473 | 4.2257 |
| June | 4.3967 | 4.2850 | 4.3358 |
| July | 4.3932 | 4.1882 | 4.3291 |
| August | 4.2709 | 4.1485 | 4.1914 |
| September | 4.3081 | 4.2318 | 4.2663 |
| October | 4.3080 | 4.2118 | 4.2730 |
| November | 4.4435 | 4.2874 | 4.3871 |
| December | 4.4436 | 4.3662 | 4.3964 |