2020 ZAR to HRK Historical Review

YEARLY HIGH

0.4739 HRK

YEARLY LOW

0.3582 HRK

YEARLY AVERAGE

0.4036 HRK

2020 ZAR to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the ZAR to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on January 1, valuing the pair at 0.4739. Conversely, the yearly low was recorded on August 9, dropping to 0.3582.

This high-to-low spread represents a total annual volatility of 0.1157 HRK. From a start-to-finish perspective, comparing the January average rate of 0.4654 to the December average rate of 0.4167, the exchange rate registered a net change of -10.47% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.4739 was down 3.07% compared to the 2019 peak of 0.4889, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

Comparing the value generated converting 50,000 ZAR based on timing:

Yearly Peak High 23,695 HRK

2019 Average 22,947 HRK

Yearly Trough Low 17,911 HRK

Transaction Impact: A difference of 5,783.31 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.4751

0.3589

JanuMarcMayJulySeptNove

ZAR 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 0.4134, compared to 0.3939 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0195 points.

H1 Avg (Jan–Jun) 0.4134

H2 Avg (Jul–Dec) 0.3939

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.0584 HRK (High: 0.4402 / Low: 0.3818). On the other end, October was the most stable month, with a tight range of 0.0143 HRK (High: 0.3999 / Low: 0.3856).

March Spread (Volatile) ±0.0584

October Spread (Stable) ±0.0143

Growth Streaks & Declines

Trends

Between 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 0.0429 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.0429

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2020: 0.4654) against the same month in 2019 (average: 0.4704), the exchange rate shifted by -0.0050 (-1.06%).

2020 Avg (January) 0.4654

2019 Avg (January) 0.4704

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.4739	0.4471	0.4654
February	0.4617	0.4324	0.4537
March	0.4402	0.3818	0.4107
April	0.3868	0.3663	0.3753
May	0.3973	0.3658	0.3825
June	0.4030	0.3864	0.3929
July	0.3980	0.3700	0.3920
August	0.3821	0.3582	0.3686
September	0.3938	0.3767	0.3827
October	0.3999	0.3856	0.3917
November	0.4192	0.3992	0.4114
December	0.4248	0.4078	0.4167