YEARLY HIGH
3.9698 HRK
YEARLY LOW
3.4100 HRK
YEARLY AVERAGE
3.6744 HRK

2020 AWG to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the AWG to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on March 19, valuing the pair at 3.9698. Conversely, the yearly low was recorded on December 30, dropping to 3.4100.

This high-to-low spread represents a total annual volatility of 0.5598 HRK. From a start-to-finish perspective, comparing the January average rate of 3.7245 to the December average rate of 3.4419, 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 3.9698 was up 5.09% compared to the 2019 peak of 3.7775, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 19,849 HRK
2019 Average 18,405 HRK
Yearly Trough Low 17,050 HRK
Transaction Impact: A difference of 2,799.15 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

3.9254
3.3980
JanuMarcMayJulySeptNove

AWG 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 3.7993, compared to 3.5495 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.2498 points.

H1 Avg (Jan–Jun) 3.7993
H2 Avg (Jul–Dec) 3.5495

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.3142 HRK (High: 3.9698 / Low: 3.6556). On the other end, August was the most stable month, with a tight range of 0.0587 HRK (High: 3.5497 / Low: 3.4910).

March Spread (Volatile) ±0.3142
August Spread (Stable) ±0.0587

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 0.1259 points.

Longest Streak 3 Mo.
Sharpest MoM Drop -0.1259

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (March 2020: 3.8032) against the same month in 2019 (average: 3.6458), the exchange rate shifted by +0.1574 (+4.32%).

2020 Avg (March) 3.8032
2019 Avg (March) 3.6458

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 3.7524 3.6884 3.7245
February 3.8373 3.7278 3.7934
March 3.9698 3.6556 3.8032
April 3.9236 3.8442 3.8814
May 3.8931 3.7979 3.8566
June 3.7898 3.6997 3.7364
July 3.7385 3.5037 3.6513
August 3.5497 3.4910 3.5254
September 3.6062 3.5070 3.5552
October 3.6103 3.5494 3.5760
November 3.6131 3.5090 3.5471
December 3.4756 3.4100 3.4419