2020 HRK to PGK Historical Review

YEARLY HIGH

0.5728 PGK

YEARLY LOW

0.4765 PGK

YEARLY AVERAGE

0.5253 PGK

2020 HRK to PGK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HRK to PGK exchange rate experienced significant fluctuation. The market reached its absolute peak on December 31, valuing the pair at 0.5728. Conversely, the yearly low was recorded on March 19, dropping to 0.4765.

This high-to-low spread represents a total annual volatility of 0.0962 PGK. From a start-to-finish perspective, comparing the January average rate of 0.5076 to the December average rate of 0.5676, the exchange rate registered a net change of 11.82% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.5728 was up 9.21% compared to the 2019 peak of 0.5244, 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 2,864 PGK

2019 Average 2,553 PGK

Yearly Trough Low 2,383 PGK

Transaction Impact: A difference of 481.21 PGK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.5750

0.4858

JanuMarcMayJulySeptNove

HRK to PGK 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 0.5023, compared to 0.5484 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0462 points.

H1 Avg (Jan–Jun) 0.5023

H2 Avg (Jul–Dec) 0.5484

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.0470 PGK (High: 0.5235 / Low: 0.4765). On the other end, December was the most stable month, with a tight range of 0.0102 PGK (High: 0.5728 / Low: 0.5626).

March Spread (Volatile) ±0.0470

December Spread (Stable) ±0.0102

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 January and February, when the average rate fell by 0.0093 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.0093

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2020: 0.5676) against the same month in 2019 (average: 0.5089), the exchange rate shifted by +0.0587 (+11.53%).

2020 Avg (December) 0.5676

2019 Avg (December) 0.5089

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.5163	0.5008	0.5076
February	0.5128	0.4892	0.4983
March	0.5235	0.4765	0.5009
April	0.5005	0.4842	0.4933
May	0.5068	0.4918	0.4991
June	0.5228	0.5092	0.5143
July	0.5518	0.5127	0.5282
August	0.5594	0.5458	0.5531
September	0.5591	0.5351	0.5459
October	0.5500	0.5397	0.5448
November	0.5573	0.5394	0.5510
December	0.5728	0.5626	0.5676