2020 HRK to ALL Historical Review

YEARLY HIGH

18.3455 ALL

YEARLY LOW

13.2490 ALL

YEARLY AVERAGE

16.4172 ALL

2020 HRK to ALL Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HRK to ALL exchange rate experienced significant fluctuation. The market reached its absolute peak on May 10, valuing the pair at 18.3455. Conversely, the yearly low was recorded on July 19, dropping to 13.2490.

This high-to-low spread represents a total annual volatility of 5.0966 ALL. From a start-to-finish perspective, comparing the January average rate of 16.3963 to the December average rate of 16.3818, the exchange rate registered a net change of -0.09% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 18.3455 was up 7.88% compared to the 2019 peak of 17.0054, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 91,728 ALL

2019 Average 82,918 ALL

Yearly Trough Low 66,245 ALL

Transaction Impact: A difference of 25,482.84 ALL purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

16.5378

16.3564

JanuMarcMayJulySeptNove

HRK to ALL 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 16.4217, compared to 16.4127 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0090 points.

H1 Avg (Jan–Jun) 16.4217

H2 Avg (Jul–Dec) 16.4127

Volatility Range Comparison

Volatility

The most volatile month in 2020 was July, with a trading range of 3.4479 ALL (High: 16.6968 / Low: 13.2490). On the other end, October was the most stable month, with a tight range of 0.1074 ALL (High: 16.4221 / Low: 16.3147).

July Spread (Volatile) ±3.4479

October Spread (Stable) ±0.1074

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 April and May, when the average rate fell by 0.1125 points.

Longest Streak 1 Mo.

Sharpest MoM Drop -0.1125

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (May 2020: 16.4101) against the same month in 2019 (average: 16.5887), the exchange rate shifted by -0.1786 (-1.08%).

2020 Avg (May) 16.4101

2019 Avg (May) 16.5887

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	16.4909	16.2874	16.3963
February	16.4883	16.2953	16.3939
March	17.1817	16.0349	16.3880
April	16.8057	16.2745	16.5227
May	18.3455	16.2243	16.4101
June	16.5911	16.2849	16.4193
July	16.6968	13.2490	16.3900
August	16.6741	16.3042	16.5194
September	16.5194	16.3264	16.4399
October	16.4221	16.3147	16.3737
November	16.4611	16.3075	16.3715
December	16.5398	16.2658	16.3818