2020 HRK to KGS Historical Review

YEARLY HIGH

13.6821 KGS

YEARLY LOW

9.9886 KGS

YEARLY AVERAGE

11.6777 KGS

2020 HRK to KGS Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HRK to KGS exchange rate experienced significant fluctuation. The market reached its absolute peak on December 14, valuing the pair at 13.6821. Conversely, the yearly low was recorded on March 19, dropping to 9.9886.

This high-to-low spread represents a total annual volatility of 3.6935 KGS. From a start-to-finish perspective, comparing the January average rate of 10.3820 to the December average rate of 13.4790, the exchange rate registered a net change of 29.83% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 13.6821 was up 28.00% compared to the 2019 peak of 10.6888, 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 68,411 KGS

2019 Average 52,198 KGS

Yearly Trough Low 49,943 KGS

Transaction Impact: A difference of 18,467.69 KGS purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

13.8042

9.9014

JanuMarcMayJulySeptNove

HRK to KGS 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 10.7895, compared to 12.5658 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 1.7762 points.

H1 Avg (Jan–Jun) 10.7895

H2 Avg (Jul–Dec) 12.5658

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 1.6507 KGS (High: 11.6393 / Low: 9.9886). On the other end, January was the most stable month, with a tight range of 0.1536 KGS (High: 10.4685 / Low: 10.3149).

March Spread (Volatile) ±1.6507

January Spread (Stable) ±0.1536

Growth Streaks & Declines

Trends

Between May and December, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 7 straight months. Conversely, the sharpest month-over-month decline occurred between April and May, when the average rate fell by 0.3516 points.

Longest Streak 7 Mo.

Sharpest MoM Drop -0.3516

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2020: 13.4790) against the same month in 2019 (average: 10.3990), the exchange rate shifted by +3.0800 (+29.62%).

2020 Avg (December) 13.4790

2019 Avg (December) 10.3990

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	10.4685	10.3149	10.3820
February	10.3830	10.1126	10.2266
March	11.6393	9.9886	10.6582
April	12.1718	10.6233	11.3704
May	11.4011	10.5795	11.0188
June	11.2299	10.7850	11.0812
July	12.1546	11.4177	11.7767
August	12.3841	12.0652	12.2021
September	12.4475	12.2203	12.3202
October	12.6472	12.2866	12.4638
November	13.4257	12.5777	13.1529
December	13.6821	13.0697	13.4790