2020 HRK to IQD Historical Review

YEARLY HIGH

238.0639 IQD

YEARLY LOW

166.8863 IQD

YEARLY AVERAGE

181.3828 IQD

2020 HRK to IQD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HRK to IQD exchange rate experienced significant fluctuation. The market reached its absolute peak on December 30, valuing the pair at 238.0639. Conversely, the yearly low was recorded on March 19, dropping to 166.8863.

This high-to-low spread represents a total annual volatility of 71.1776 IQD. From a start-to-finish perspective, comparing the January average rate of 177.8128 to the December average rate of 203.6525, the exchange rate registered a net change of 14.53% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 238.0639 was up 28.20% compared to the 2019 peak of 185.6979, 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 1,190,319 IQD

2019 Average 898,954 IQD

Yearly Trough Low 834,431 IQD

Transaction Impact: A difference of 355,888.05 IQD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

206.9698

167.1614

JanuMarcMayJulySeptNove

HRK to IQD 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 174.2462, compared to 188.5194 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 14.2731 points.

H1 Avg (Jan–Jun) 174.2462

H2 Avg (Jul–Dec) 188.5194

Volatility Range Comparison

Volatility

The most volatile month in 2020 was December, with a trading range of 47.4574 IQD (High: 238.0639 / Low: 190.6065). On the other end, August was the most stable month, with a tight range of 2.8478 IQD (High: 189.7824 / Low: 186.9346).

December Spread (Volatile) ±47.4574

August Spread (Stable) ±2.8478

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 3.6102 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -3.6102

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2020: 203.6525) against the same month in 2019 (average: 177.8910), the exchange rate shifted by +25.7615 (+14.48%).

2020 Avg (December) 203.6525

2019 Avg (December) 177.8910

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	180.7393	176.3045	177.8128
February	177.3521	172.6439	174.5168
March	180.9243	166.8863	174.0890
April	171.9765	168.5688	170.4788
May	174.3595	169.7738	171.4874
June	178.8213	174.7431	177.0926
July	189.0359	177.1361	181.3976
August	189.7824	186.9346	188.0202
September	189.0342	183.3246	186.2610
October	186.5752	183.1197	185.1544
November	188.7641	183.1197	186.6305
December	238.0639	190.6065	203.6525