2020 ARS to HRK Historical Review

YEARLY HIGH

0.1126 HRK

YEARLY LOW

0.0729 HRK

YEARLY AVERAGE

0.0950 HRK

2020 ARS to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the ARS to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on March 19, valuing the pair at 0.1126. Conversely, the yearly low was recorded on December 30, dropping to 0.0729.

This high-to-low spread represents a total annual volatility of 0.0396 HRK. From a start-to-finish perspective, comparing the January average rate of 0.1119 to the December average rate of 0.0750, the exchange rate registered a net change of -32.92% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.1126 was down 35.96% compared to the 2019 peak of 0.1758, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 563 HRK

2019 Average 707 HRK

Yearly Trough Low 365 HRK

Transaction Impact: A difference of 198.21 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.1156

0.0714

JanuMarcMayJulySeptNove

ARS 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 0.1063, compared to 0.0837 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0227 points.

H1 Avg (Jan–Jun) 0.1063

H2 Avg (Jul–Dec) 0.0837

Volatility Range Comparison

Volatility

The most volatile month in 2020 was July, with a trading range of 0.0081 HRK (High: 0.0954 / Low: 0.0873). On the other end, September was the most stable month, with a tight range of 0.0013 HRK (High: 0.0857 / Low: 0.0844).

July Spread (Volatile) ±0.0081

September Spread (Stable) ±0.0013

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 May and June, when the average rate fell by 0.0060 points.

Longest Streak 0 Mo.

Sharpest MoM Drop -0.0060

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (March 2020: 0.1085) against the same month in 2019 (average: 0.1593), the exchange rate shifted by -0.0508 (-31.89%).

2020 Avg (March) 0.1085

2019 Avg (March) 0.1593

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.1125	0.1108	0.1119
February	0.1123	0.1091	0.1114
March	0.1126	0.1054	0.1085
April	0.1089	0.1035	0.1066
May	0.1050	0.0999	0.1028
June	0.0995	0.0957	0.0968
July	0.0954	0.0873	0.0921
August	0.0877	0.0851	0.0867
September	0.0857	0.0844	0.0852
October	0.0845	0.0817	0.0830
November	0.0829	0.0778	0.0800
December	0.0768	0.0729	0.0750