2020 HRK to BWP Historical Review

YEARLY HIGH

1.8712 BWP

YEARLY LOW

1.5874 BWP

YEARLY AVERAGE

1.7319 BWP

2020 HRK to BWP Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HRK to BWP exchange rate experienced significant fluctuation. The market reached its absolute peak on August 6, valuing the pair at 1.8712. Conversely, the yearly low was recorded on March 21, dropping to 1.5874.

This high-to-low spread represents a total annual volatility of 0.2839 BWP. From a start-to-finish perspective, comparing the January average rate of 1.5997 to the December average rate of 1.7583, the exchange rate registered a net change of 9.92% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 1.8712 was up 11.52% compared to the 2019 peak of 1.6779, 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 9,356 BWP

2019 Average 8,116 BWP

Yearly Trough Low 7,937 BWP

Transaction Impact: A difference of 1,419.36 BWP purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

1.8575

1.5763

JanuMarcMayJulySeptNove

HRK to BWP 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 1.6838, compared to 1.7801 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0963 points.

H1 Avg (Jan–Jun) 1.6838

H2 Avg (Jul–Dec) 1.7801

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.1474 BWP (High: 1.7347 / Low: 1.5874). On the other end, December was the most stable month, with a tight range of 0.0350 BWP (High: 1.7778 / Low: 1.7428).

March Spread (Volatile) ±0.1474

December Spread (Stable) ±0.0350

Growth Streaks & Declines

Trends

Between January and April, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 3 straight months. Conversely, the sharpest month-over-month decline occurred between August and September, when the average rate fell by 0.0359 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0359

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (August 2020: 1.8340) against the same month in 2019 (average: 1.6551), the exchange rate shifted by +0.1789 (+10.81%).

2020 Avg (August) 1.8340

2019 Avg (August) 1.6551

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	1.6268	1.5884	1.5997
February	1.6388	1.5921	1.6102
March	1.7347	1.5874	1.6739
April	1.7739	1.7104	1.7415
May	1.7588	1.7119	1.7370
June	1.7588	1.7222	1.7404
July	1.8269	1.7392	1.7629
August	1.8712	1.8091	1.8340
September	1.8123	1.7745	1.7981
October	1.7962	1.7544	1.7797
November	1.7668	1.7307	1.7473
December	1.7778	1.7428	1.7583