2020 HRK to KPW Historical Review

YEARLY HIGH

146.6276 KPW

YEARLY LOW

125.9500 KPW

YEARLY AVERAGE

136.2843 KPW

2020 HRK to KPW Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HRK to KPW exchange rate experienced significant fluctuation. The market reached its absolute peak on December 30, valuing the pair at 146.6276. Conversely, the yearly low was recorded on March 19, dropping to 125.9500.

This high-to-low spread represents a total annual volatility of 20.6776 KPW. From a start-to-finish perspective, comparing the January average rate of 134.2495 to the December average rate of 145.2720, the exchange rate registered a net change of 8.21% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 146.6276 was up 4.72% compared to the 2019 peak of 140.0177, 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 733,138 KPW

2019 Average 679,170 KPW

Yearly Trough Low 629,750 KPW

Transaction Impact: A difference of 103,387.85 KPW purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

146.9170

127.1773

JanuMarcMayJulySeptNove

HRK to KPW 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 131.6488, compared to 140.9198 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 9.2710 points.

H1 Avg (Jan–Jun) 131.6488

H2 Avg (Jul–Dec) 140.9198

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 10.8260 KPW (High: 136.7760 / Low: 125.9500). On the other end, January was the most stable month, with a tight range of 2.3132 KPW (High: 135.5616 / Low: 133.2484).

March Spread (Volatile) ±10.8260

January Spread (Stable) ±2.3132

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 2.7129 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -2.7129

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2020: 145.2720) against the same month in 2019 (average: 134.3774), the exchange rate shifted by +10.8946 (+8.11%).

2020 Avg (December) 145.2720

2019 Avg (December) 134.3774

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	135.5616	133.2484	134.2495
February	134.1277	130.2988	131.8154
March	136.7760	125.9500	131.5351
April	130.0662	127.4354	128.8222
May	131.6524	128.4320	129.6512
June	135.1453	131.9333	133.8193
July	142.7076	133.7691	136.9834
August	143.2262	140.8583	141.8274
September	142.5720	138.6488	140.6455
October	140.8699	138.4939	139.8232
November	142.4910	138.3850	140.9671
December	146.6276	143.8588	145.2720