2020 HRK to PEN Historical Review

YEARLY HIGH

0.5898 PEN

YEARLY LOW

0.4799 PEN

YEARLY AVERAGE

0.5296 PEN

2020 HRK to PEN Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HRK to PEN exchange rate experienced significant fluctuation. The market reached its absolute peak on December 30, valuing the pair at 0.5898. Conversely, the yearly low was recorded on April 23, dropping to 0.4799.

This high-to-low spread represents a total annual volatility of 0.1099 PEN. From a start-to-finish perspective, comparing the January average rate of 0.4961 to the December average rate of 0.5812, the exchange rate registered a net change of 17.17% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.5898 was up 13.15% compared to the 2019 peak of 0.5212, 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 2,949 PEN

2019 Average 2,517 PEN

Yearly Trough Low 2,399 PEN

Transaction Impact: A difference of 549.44 PEN purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.5907

0.4773

JanuMarcMayJulySeptNove

HRK to PEN 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 0.4997, compared to 0.5595 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0598 points.

H1 Avg (Jan–Jun) 0.4997

H2 Avg (Jul–Dec) 0.5595

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.0380 PEN (High: 0.5300 / Low: 0.4920). On the other end, October was the most stable month, with a tight range of 0.0096 PEN (High: 0.5632 / Low: 0.5535).

March Spread (Volatile) ±0.0380

October Spread (Stable) ±0.0096

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 0.0229 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.0229

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2020: 0.5812) against the same month in 2019 (average: 0.5005), the exchange rate shifted by +0.0807 (+16.13%).

2020 Avg (December) 0.5812

2019 Avg (December) 0.5005

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.5045	0.4921	0.4961
February	0.5099	0.4903	0.4966
March	0.5300	0.4920	0.5097
April	0.4950	0.4799	0.4868
May	0.5023	0.4848	0.4922
June	0.5249	0.5022	0.5167
July	0.5592	0.5242	0.5352
August	0.5660	0.5560	0.5610
September	0.5622	0.5493	0.5556
October	0.5632	0.5535	0.5586
November	0.5743	0.5560	0.5651
December	0.5898	0.5759	0.5812