2020 HNL to PLN Historical Review

YEARLY HIGH

0.1723 PLN

YEARLY LOW

0.1490 PLN

YEARLY AVERAGE

0.1576 PLN

2020 HNL to PLN Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HNL to PLN exchange rate experienced significant fluctuation. The market reached its absolute peak on March 19, valuing the pair at 0.1723. Conversely, the yearly low was recorded on August 18, dropping to 0.1490.

This high-to-low spread represents a total annual volatility of 0.0233 PLN. From a start-to-finish perspective, comparing the January average rate of 0.1544 to the December average rate of 0.1517, the exchange rate registered a net change of -1.72% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.1723 was down 33.92% compared to the 2019 peak of 0.2607, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 861 PLN

2019 Average 782 PLN

Yearly Trough Low 745 PLN

Transaction Impact: A difference of 116.43 PLN purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.1697

0.1488

JanuMarcMayJulySeptNove

HNL to PLN 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 0.1610, compared to 0.1541 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0069 points.

H1 Avg (Jan–Jun) 0.1610

H2 Avg (Jul–Dec) 0.1541

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.0197 PLN (High: 0.1723 / Low: 0.1526). On the other end, August was the most stable month, with a tight range of 0.0033 PLN (High: 0.1523 / Low: 0.1490).

March Spread (Volatile) ±0.0197

August Spread (Stable) ±0.0033

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 May and June, when the average rate fell by 0.0078 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0078

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (March 2020: 0.1613) against the same month in 2019 (average: 0.1552), the exchange rate shifted by +0.0061 (+3.92%).

2020 Avg (March) 0.1613

2019 Avg (March) 0.1552

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.1568	0.1500	0.1544
February	0.1609	0.1557	0.1580
March	0.1723	0.1526	0.1613
April	0.1705	0.1651	0.1679
May	0.1691	0.1602	0.1662
June	0.1605	0.1561	0.1584
July	0.1597	0.1491	0.1561
August	0.1523	0.1490	0.1505
September	0.1594	0.1493	0.1537
October	0.1610	0.1533	0.1569
November	0.1613	0.1543	0.1555
December	0.1539	0.1495	0.1517