2020 AOA to HRK Historical Review

YEARLY HIGH

0.0140 HRK

YEARLY LOW

0.0094 HRK

YEARLY AVERAGE

0.0116 HRK

2020 AOA to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the AOA to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on February 20, valuing the pair at 0.0140. Conversely, the yearly low was recorded on December 30, dropping to 0.0094.

This high-to-low spread represents a total annual volatility of 0.0046 HRK. From a start-to-finish perspective, comparing the January average rate of 0.0137 to the December average rate of 0.0095, the exchange rate registered a net change of -31.08% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.0140 was down 34.03% compared to the 2019 peak of 0.0212, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 70 HRK

2019 Average 93 HRK

Yearly Trough Low 47 HRK

Transaction Impact: A difference of 23.19 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.0142

0.0090

JanuMarcMayJulySeptNove

AOA 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 0.0129, compared to 0.0103 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0026 points.

H1 Avg (Jan–Jun) 0.0129

H2 Avg (Jul–Dec) 0.0103

Volatility Range Comparison

Volatility

The most volatile month in 2020 was May, with a trading range of 0.0011 HRK (High: 0.0128 / Low: 0.0117). On the other end, December was the most stable month, with a tight range of 0.0002 HRK (High: 0.0096 / Low: 0.0094).

May Spread (Volatile) ±0.0011

December Spread (Stable) ±0.0002

Growth Streaks & Declines

Trends

No sustained consecutive month-over-month growth streak of 2+ months occurred in 2020. Conversely, the sharpest month-over-month decline occurred between March and April, when the average rate fell by 0.0010 points.

Longest Streak 1 Mo.

Sharpest MoM Drop -0.0010

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (February 2020: 0.0138) against the same month in 2019 (average: 0.0208), the exchange rate shifted by -0.0070 (-33.74%).

2020 Avg (February) 0.0138

2019 Avg (February) 0.0208

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0139	0.0135	0.0137
February	0.0140	0.0135	0.0138
March	0.0138	0.0127	0.0135
April	0.0130	0.0122	0.0125
May	0.0128	0.0117	0.0123
June	0.0118	0.0111	0.0114
July	0.0117	0.0114	0.0115
August	0.0114	0.0105	0.0108
September	0.0105	0.0102	0.0103
October	0.0102	0.0097	0.0099
November	0.0098	0.0096	0.0097
December	0.0096	0.0094	0.0095