2020 HRK to ARS Historical Review

YEARLY HIGH

13.7086 ARS

YEARLY LOW

8.8819 ARS

YEARLY AVERAGE

10.7169 ARS

2020 HRK to ARS Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HRK to ARS exchange rate experienced significant fluctuation. The market reached its absolute peak on December 30, valuing the pair at 13.7086. Conversely, the yearly low was recorded on March 19, dropping to 8.8819.

This high-to-low spread represents a total annual volatility of 4.8267 ARS. From a start-to-finish perspective, comparing the January average rate of 8.9383 to the December average rate of 13.3280, the exchange rate registered a net change of 49.11% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 13.7086 was up 50.89% compared to the 2019 peak of 9.0849, 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 68,543 ARS

2019 Average 36,295 ARS

Yearly Trough Low 44,410 ARS

Transaction Impact: A difference of 24,133.44 ARS purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

13.7670

8.4993

JanuMarcMayJulySeptNove

HRK to ARS 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 9.4299, compared to 12.0039 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 2.5740 points.

H1 Avg (Jan–Jun) 9.4299

H2 Avg (Jul–Dec) 12.0039

Volatility Range Comparison

Volatility

The most volatile month in 2020 was July, with a trading range of 0.9735 ARS (High: 11.4589 / Low: 10.4854). On the other end, January was the most stable month, with a tight range of 0.1366 ARS (High: 9.0265 / Low: 8.8900).

July Spread (Volatile) ±0.9735

January Spread (Stable) ±0.1366

Growth Streaks & Declines

Trends

Between January and December, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 11 straight months. No significant month-over-month rate declines were detected.

Longest Streak 11 Mo.

Sharpest MoM Drop -0.0000

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2020: 13.3280) against the same month in 2019 (average: 8.9288), the exchange rate shifted by +4.3992 (+49.27%).

2020 Avg (December) 13.3280

2019 Avg (December) 8.9288

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	9.0265	8.8900	8.9383
February	9.1696	8.9085	8.9735
March	9.4893	8.8819	9.2213
April	9.6580	9.1813	9.3821
May	10.0087	9.5272	9.7297
June	10.4546	10.0531	10.3343
July	11.4589	10.4854	10.8603
August	11.7521	11.3966	11.5382
September	11.8414	11.6621	11.7422
October	12.2430	11.8323	12.0447
November	12.8484	12.0614	12.5099
December	13.7086	13.0170	13.3280