2020 HRK to LSL Historical Review

YEARLY HIGH

2.7897 LSL

YEARLY LOW

2.0989 LSL

YEARLY AVERAGE

2.4883 LSL

2020 HRK to LSL Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HRK to LSL exchange rate experienced significant fluctuation. The market reached its absolute peak on August 6, valuing the pair at 2.7897. Conversely, the yearly low was recorded on January 4, dropping to 2.0989.

This high-to-low spread represents a total annual volatility of 0.6908 LSL. From a start-to-finish perspective, comparing the January average rate of 2.1415 to the December average rate of 2.4036, the exchange rate registered a net change of 12.24% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 2.7897 was up 19.03% compared to the 2019 peak of 2.3437, 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 13,949 LSL

2019 Average 10,898 LSL

Yearly Trough Low 10,494 LSL

Transaction Impact: A difference of 3,454.14 LSL purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

2.7664

2.0847

JanuMarcMayJulySeptNove

HRK to LSL 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 2.4311, compared to 2.5455 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.1144 points.

H1 Avg (Jan–Jun) 2.4311

H2 Avg (Jul–Dec) 2.5455

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.3135 LSL (High: 2.5866 / Low: 2.2731). On the other end, June was the most stable month, with a tight range of 0.0917 LSL (High: 2.5859 / Low: 2.4942).

March Spread (Volatile) ±0.3135

June Spread (Stable) ±0.0917

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 October and November, when the average rate fell by 0.1237 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.1237

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (August 2020: 2.7096) against the same month in 2019 (average: 2.2752), the exchange rate shifted by +0.4344 (+19.09%).

2020 Avg (August) 2.7096

2019 Avg (August) 2.2752

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	2.2027	2.0989	2.1415
February	2.2731	2.1565	2.1940
March	2.5866	2.2731	2.4301
April	2.7204	2.5528	2.6558
May	2.6898	2.5234	2.6165
June	2.5859	2.4942	2.5486
July	2.6350	2.5151	2.5498
August	2.7897	2.6350	2.7096
September	2.6572	2.5397	2.6163
October	2.6022	2.5098	2.5586
November	2.5108	2.3969	2.4349
December	2.4684	2.3554	2.4036