2020 HRK to BDT Historical Review

YEARLY HIGH

13.8153 BDT

YEARLY LOW

11.8704 BDT

YEARLY AVERAGE

12.8477 BDT

2020 HRK to BDT Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HRK to BDT exchange rate experienced significant fluctuation. The market reached its absolute peak on December 30, valuing the pair at 13.8153. Conversely, the yearly low was recorded on March 19, dropping to 11.8704.

This high-to-low spread represents a total annual volatility of 1.9449 BDT. From a start-to-finish perspective, comparing the January average rate of 12.6556 to the December average rate of 13.6870, the exchange rate registered a net change of 8.15% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 13.8153 was up 5.77% compared to the 2019 peak of 13.0611, 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 69,076 BDT

2019 Average 63,689 BDT

Yearly Trough Low 59,352 BDT

Transaction Impact: A difference of 9,724.52 BDT purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

13.8406

11.9975

JanuMarcMayJulySeptNove

HRK to BDT 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 12.4174, compared to 13.2780 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.8606 points.

H1 Avg (Jan–Jun) 12.4174

H2 Avg (Jul–Dec) 13.2780

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 1.0309 BDT (High: 12.9013 / Low: 11.8704). On the other end, October was the most stable month, with a tight range of 0.2189 BDT (High: 13.2776 / Low: 13.0587).

March Spread (Volatile) ±1.0309

October Spread (Stable) ±0.2189

Growth Streaks & Declines

Trends

Between April and August, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 4 straight months. Conversely, the sharpest month-over-month decline occurred between March and April, when the average rate fell by 0.2452 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.2452

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2020: 13.6870) against the same month in 2019 (average: 12.6730), the exchange rate shifted by +1.0139 (+8.00%).

2020 Avg (December) 13.6870

2019 Avg (December) 12.6730

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	12.8529	12.5502	12.6556
February	12.6394	12.3014	12.4371
March	12.9013	11.8704	12.3963
April	12.2770	12.0273	12.1510
May	12.4076	12.1210	12.2383
June	12.7518	12.4479	12.6262
July	13.4434	12.6120	12.9086
August	13.5028	13.2739	13.3662
September	13.4292	13.0601	13.2528
October	13.2776	13.0587	13.1727
November	13.4247	13.0410	13.2808
December	13.8153	13.5572	13.6870