YEARLY HIGH
3.5728 HRK
YEARLY LOW
3.0690 HRK
YEARLY AVERAGE
3.3070 HRK

2020 BBD to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the BBD to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on March 19, valuing the pair at 3.5728. Conversely, the yearly low was recorded on December 30, dropping to 3.0690.

This high-to-low spread represents a total annual volatility of 0.5038 HRK. From a start-to-finish perspective, comparing the January average rate of 3.3520 to the December average rate of 3.0977, the exchange rate registered a net change of -7.59% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 3.5728 was up 5.09% compared to the 2019 peak of 3.3997, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 17,864 HRK
2019 Average 16,567 HRK
Yearly Trough Low 15,345 HRK
Transaction Impact: A difference of 2,519.23 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

3.5328
3.0582
JanuMarcMayJulySeptNove

BBD 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 3.4194, compared to 3.1946 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.2248 points.

H1 Avg (Jan–Jun) 3.4194
H2 Avg (Jul–Dec) 3.1946

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.2828 HRK (High: 3.5728 / Low: 3.2900). On the other end, August was the most stable month, with a tight range of 0.0528 HRK (High: 3.1947 / Low: 3.1419).

March Spread (Volatile) ±0.2828
August Spread (Stable) ±0.0528

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 0.1133 points.

Longest Streak 3 Mo.
Sharpest MoM Drop -0.1133

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (March 2020: 3.4229) against the same month in 2019 (average: 3.2847), the exchange rate shifted by +0.1382 (+4.21%).

2020 Avg (March) 3.4229
2019 Avg (March) 3.2847

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 3.3771 3.3195 3.3520
February 3.4536 3.3550 3.4141
March 3.5728 3.2900 3.4229
April 3.5312 3.4598 3.4933
May 3.5038 3.4181 3.4710
June 3.4108 3.3298 3.3628
July 3.3640 3.1533 3.2863
August 3.1947 3.1419 3.1729
September 3.2456 3.1563 3.1997
October 3.2492 3.1944 3.2184
November 3.2518 3.1581 3.1924
December 3.1281 3.0690 3.0977