2020 HRK to PKR Historical Review

YEARLY HIGH

26.8400 PKR

YEARLY LOW

22.2407 PKR

YEARLY AVERAGE

24.5110 PKR

2020 HRK to PKR Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HRK to PKR exchange rate experienced significant fluctuation. The market reached its absolute peak on August 6, valuing the pair at 26.8400. Conversely, the yearly low was recorded on March 19, dropping to 22.2407.

This high-to-low spread represents a total annual volatility of 4.5993 PKR. From a start-to-finish perspective, comparing the January average rate of 23.0807 to the December average rate of 25.8717, the exchange rate registered a net change of 12.09% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 26.8400 was up 6.62% compared to the 2019 peak of 25.1726, 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 134,200 PKR

2019 Average 113,304 PKR

Yearly Trough Low 111,203 PKR

Transaction Impact: A difference of 22,996.46 PKR purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

26.8767

22.2238

JanuMarcMayJulySeptNove

HRK to PKR 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 23.3529, compared to 25.6691 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 2.3162 points.

H1 Avg (Jan–Jun) 23.3529

H2 Avg (Jul–Dec) 25.6691

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 1.8252 PKR (High: 24.0659 / Low: 22.2407). On the other end, January was the most stable month, with a tight range of 0.5836 PKR (High: 23.4461 / Low: 22.8626).

March Spread (Volatile) ±1.8252

January Spread (Stable) ±0.5836

Growth Streaks & Declines

Trends

Between May and August, 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 September and October, when the average rate fell by 0.6446 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.6446

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (August 2020: 26.4890) against the same month in 2019 (average: 23.9834), the exchange rate shifted by +2.5056 (+10.45%).

2020 Avg (August) 26.4890

2019 Avg (August) 23.9834

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	23.4461	22.8626	23.0807
February	23.0178	22.3415	22.6116
March	24.0659	22.2407	23.1348
April	24.0565	22.7595	23.5625
May	23.8180	22.7133	23.1027
June	24.9728	23.8998	24.6253
July	26.5398	24.8721	25.4517
August	26.8400	26.2398	26.4890
September	26.1980	25.5191	25.9442
October	25.6410	24.6904	25.2995
November	25.2446	24.6232	24.9585
December	26.1459	25.5084	25.8717