2020 HRK to MOP Historical Review

YEARLY HIGH

1.3010 MOP

YEARLY LOW

1.1190 MOP

YEARLY AVERAGE

1.2096 MOP

2020 HRK to MOP Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HRK to MOP exchange rate experienced significant fluctuation. The market reached its absolute peak on December 30, valuing the pair at 1.3010. Conversely, the yearly low was recorded on March 19, dropping to 1.1190.

This high-to-low spread represents a total annual volatility of 0.1819 MOP. From a start-to-finish perspective, comparing the January average rate of 1.1943 to the December average rate of 1.2889, the exchange rate registered a net change of 7.92% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 1.3010 was up 3.52% compared to the 2019 peak of 1.2567, 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 6,505 MOP

2019 Average 6,089 MOP

Yearly Trough Low 5,595 MOP

Transaction Impact: A difference of 909.61 MOP purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

1.3036

1.1278

JanuMarcMayJulySeptNove

HRK to MOP 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 1.1691, compared to 1.2501 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0810 points.

H1 Avg (Jan–Jun) 1.1691

H2 Avg (Jul–Dec) 1.2501

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.0982 MOP (High: 1.2172 / Low: 1.1190). On the other end, October was the most stable month, with a tight range of 0.0210 MOP (High: 1.2497 / Low: 1.2286).

March Spread (Volatile) ±0.0982

October Spread (Stable) ±0.0210

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 0.0259 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.0259

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2020: 1.2889) against the same month in 2019 (average: 1.1999), the exchange rate shifted by +0.0890 (+7.42%).

2020 Avg (December) 1.2889

2019 Avg (December) 1.1999

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	1.2142	1.1851	1.1943
February	1.1923	1.1607	1.1728
March	1.2172	1.1190	1.1684
April	1.1538	1.1305	1.1425
May	1.1678	1.1391	1.1499
June	1.1982	1.1700	1.1869
July	1.2656	1.1866	1.2151
August	1.2712	1.2500	1.2582
September	1.2640	1.2300	1.2475
October	1.2497	1.2286	1.2402
November	1.2639	1.2278	1.2507
December	1.3010	1.2766	1.2889