2020 HRK to BOB Historical Review

YEARLY HIGH

1.1227 BOB

YEARLY LOW

0.9635 BOB

YEARLY AVERAGE

1.0452 BOB

2020 HRK to BOB Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HRK to BOB exchange rate experienced significant fluctuation. The market reached its absolute peak on December 17, valuing the pair at 1.1227. Conversely, the yearly low was recorded on March 19, dropping to 0.9635.

This high-to-low spread represents a total annual volatility of 0.1591 BOB. From a start-to-finish perspective, comparing the January average rate of 1.0315 to the December average rate of 1.1128, the exchange rate registered a net change of 7.88% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 1.1227 was up 4.40% compared to the 2019 peak of 1.0754, 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 5,613 BOB

2019 Average 5,215 BOB

Yearly Trough Low 4,818 BOB

Transaction Impact: A difference of 795.68 BOB purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

1.1254

0.9743

JanuMarcMayJulySeptNove

HRK to BOB 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 1.0098, compared to 1.0807 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0709 points.

H1 Avg (Jan–Jun) 1.0098

H2 Avg (Jul–Dec) 1.0807

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.0851 BOB (High: 1.0486 / Low: 0.9635). On the other end, October was the most stable month, with a tight range of 0.0189 BOB (High: 1.0813 / Low: 1.0624).

March Spread (Volatile) ±0.0851

October Spread (Stable) ±0.0189

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 0.0198 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.0198

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2020: 1.1128) against the same month in 2019 (average: 1.0320), the exchange rate shifted by +0.0807 (+7.82%).

2020 Avg (December) 1.1128

2019 Avg (December) 1.0320

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	1.0454	1.0236	1.0315
February	1.0304	1.0014	1.0127
March	1.0486	0.9635	1.0067
April	0.9965	0.9763	0.9869
May	1.0096	0.9839	0.9936
June	1.0373	1.0119	1.0272
July	1.0947	1.0264	1.0512
August	1.0995	1.0774	1.0879
September	1.0934	1.0639	1.0791
October	1.0813	1.0624	1.0728
November	1.0932	1.0624	1.0804
December	1.1227	1.1015	1.1128