2020 VUV to HRK Historical Review

YEARLY HIGH

0.0590 HRK

YEARLY LOW

0.0553 HRK

YEARLY AVERAGE

0.0570 HRK

2020 VUV to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the VUV to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on March 19, valuing the pair at 0.0590. Conversely, the yearly low was recorded on July 30, dropping to 0.0553.

This high-to-low spread represents a total annual volatility of 0.0037 HRK. From a start-to-finish perspective, comparing the January average rate of 0.0580 to the December average rate of 0.0562, the exchange rate registered a net change of -3.16% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.0590 was down 2.06% compared to the 2019 peak of 0.0602, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 295 HRK

2019 Average 292 HRK

Yearly Trough Low 276 HRK

Transaction Impact: A difference of 18.61 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.0582

0.0557

JanuMarcMayJulySeptNove

VUV 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 0.0575, compared to 0.0565 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0010 points.

H1 Avg (Jan–Jun) 0.0575

H2 Avg (Jul–Dec) 0.0565

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.0034 HRK (High: 0.0590 / Low: 0.0556). On the other end, November was the most stable month, with a tight range of 0.0008 HRK (High: 0.0571 / Low: 0.0563).

March Spread (Volatile) ±0.0034

November Spread (Stable) ±0.0008

Growth Streaks & Declines

Trends

Between August and November, 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 0.0011 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0011

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (March 2020: 0.0571) against the same month in 2019 (average: 0.0591), the exchange rate shifted by -0.0020 (-3.34%).

2020 Avg (March) 0.0571

2019 Avg (March) 0.0591

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0585	0.0576	0.0580
February	0.0585	0.0570	0.0580
March	0.0590	0.0556	0.0571
April	0.0580	0.0559	0.0571
May	0.0581	0.0567	0.0574
June	0.0584	0.0561	0.0575
July	0.0581	0.0553	0.0570
August	0.0565	0.0554	0.0559
September	0.0572	0.0560	0.0566
October	0.0572	0.0559	0.0567
November	0.0571	0.0563	0.0567
December	0.0568	0.0557	0.0562