2020 HRK to BGN Historical Review

YEARLY HIGH

0.2632 BGN

YEARLY LOW

0.2561 BGN

YEARLY AVERAGE

0.2595 BGN

2020 HRK to BGN Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HRK to BGN exchange rate experienced significant fluctuation. The market reached its absolute peak on January 12, valuing the pair at 0.2632. Conversely, the yearly low was recorded on March 30, dropping to 0.2561.

This high-to-low spread represents a total annual volatility of 0.0071 BGN. From a start-to-finish perspective, comparing the January average rate of 0.2628 to the December average rate of 0.2594, the exchange rate registered a net change of -1.28% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.2632 was down 1.48% compared to the 2019 peak of 0.2671, 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 1,316 BGN

2019 Average 1,318 BGN

Yearly Trough Low 1,281 BGN

Transaction Impact: A difference of 35.28 BGN purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.2633

0.2571

JanuMarcMayJulySeptNove

HRK to BGN 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 0.2596, compared to 0.2593 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0003 points.

H1 Avg (Jan–Jun) 0.2596

H2 Avg (Jul–Dec) 0.2593

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.0055 BGN (High: 0.2617 / Low: 0.2561). On the other end, October was the most stable month, with a tight range of 0.0010 BGN (High: 0.2586 / Low: 0.2576).

March Spread (Volatile) ±0.0055

October Spread (Stable) ±0.0010

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 February and March, when the average rate fell by 0.0038 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.0038

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2020: 0.2628) against the same month in 2019 (average: 0.2633), the exchange rate shifted by -0.0006 (-0.22%).

2020 Avg (January) 0.2628

2019 Avg (January) 0.2633

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.2632	0.2618	0.2628
February	0.2631	0.2616	0.2623
March	0.2617	0.2561	0.2585
April	0.2591	0.2562	0.2576
May	0.2594	0.2576	0.2582
June	0.2593	0.2564	0.2584
July	0.2618	0.2582	0.2598
August	0.2626	0.2592	0.2605
September	0.2602	0.2586	0.2594
October	0.2586	0.2576	0.2582
November	0.2596	0.2581	0.2586
December	0.2600	0.2588	0.2594