2020 HRK to GYD Historical Review

YEARLY HIGH

34.0867 GYD

YEARLY LOW

29.1384 GYD

YEARLY AVERAGE

31.6584 GYD

2020 HRK to GYD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HRK to GYD exchange rate experienced significant fluctuation. The market reached its absolute peak on December 30, valuing the pair at 34.0867. Conversely, the yearly low was recorded on March 19, dropping to 29.1384.

This high-to-low spread represents a total annual volatility of 4.9482 GYD. From a start-to-finish perspective, comparing the January average rate of 31.1561 to the December average rate of 33.7822, the exchange rate registered a net change of 8.43% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 34.0867 was up 4.65% compared to the 2019 peak of 32.5730, 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 170,433 GYD

2019 Average 157,654 GYD

Yearly Trough Low 145,692 GYD

Transaction Impact: A difference of 24,741.16 GYD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

34.1682

29.5363

JanuMarcMayJulySeptNove

HRK to GYD 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 30.5697, compared to 32.7471 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 2.1774 points.

H1 Avg (Jan–Jun) 30.5697

H2 Avg (Jul–Dec) 32.7471

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 2.7302 GYD (High: 31.8686 / Low: 29.1384). On the other end, October was the most stable month, with a tight range of 0.5377 GYD (High: 32.7355 / Low: 32.1978).

March Spread (Volatile) ±2.7302

October Spread (Stable) ±0.5377

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 0.6102 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.6102

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2020: 33.7822) against the same month in 2019 (average: 31.1758), the exchange rate shifted by +2.6064 (+8.36%).

2020 Avg (December) 33.7822

2019 Avg (December) 31.1758

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	31.6741	30.7755	31.1561
February	31.0781	30.2393	30.5859
March	31.8686	29.1384	30.5325
April	30.2295	29.5649	29.9223
May	30.5706	29.8196	30.1261
June	31.5028	30.6339	31.0954
July	33.1670	31.0989	31.8295
August	33.2755	32.5988	32.9490
September	33.0525	32.2356	32.6714
October	32.7355	32.1978	32.4933
November	33.1463	32.1636	32.7572
December	34.0867	33.4583	33.7822