2020 HNL to UAH Historical Review

YEARLY HIGH

1.1760 UAH

YEARLY LOW

0.9498 UAH

YEARLY AVERAGE

1.0906 UAH

2020 HNL to UAH Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HNL to UAH exchange rate experienced significant fluctuation. The market reached its absolute peak on December 1, valuing the pair at 1.1760. Conversely, the yearly low was recorded on January 14, dropping to 0.9498.

This high-to-low spread represents a total annual volatility of 0.2262 UAH. From a start-to-finish perspective, comparing the January average rate of 0.9752 to the December average rate of 1.1619, the exchange rate registered a net change of 19.15% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 1.1760 was down 26.21% compared to the 2019 peak of 1.5937, 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 5,880 UAH

2019 Average 5,261 UAH

Yearly Trough Low 4,749 UAH

Transaction Impact: A difference of 1,130.94 UAH purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

1.1806

0.9565

JanuMarcMayJulySeptNove

HNL to UAH 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 1.0444, compared to 1.1367 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0924 points.

H1 Avg (Jan–Jun) 1.0444

H2 Avg (Jul–Dec) 1.1367

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.1434 UAH (High: 1.1302 / Low: 0.9868). On the other end, June was the most stable month, with a tight range of 0.0110 UAH (High: 1.0753 / Low: 1.0643).

March Spread (Volatile) ±0.1434

June Spread (Stable) ±0.0110

Growth Streaks & Declines

Trends

Between June and December, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 6 straight months. Conversely, the sharpest month-over-month decline occurred between April and May, when the average rate fell by 0.0181 points.

Longest Streak 6 Mo.

Sharpest MoM Drop -0.0181

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2020: 1.1619) against the same month in 2019 (average: 0.9736), the exchange rate shifted by +0.1883 (+19.34%).

2020 Avg (December) 1.1619

2019 Avg (December) 0.9736

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	1.0092	0.9498	0.9752
February	1.0164	0.9809	0.9905
March	1.1302	0.9868	1.0659
April	1.1117	1.0808	1.0912
May	1.0828	1.0641	1.0731
June	1.0753	1.0643	1.0704
July	1.1189	1.0728	1.0983
August	1.1200	1.1023	1.1129
September	1.1493	1.1176	1.1340
October	1.1583	1.1468	1.1531
November	1.1747	1.1440	1.1602
December	1.1760	1.1435	1.1619