2020 HRK to PYG Historical Review

YEARLY HIGH

1136.1694 PYG

YEARLY LOW

922.9985 PYG

YEARLY AVERAGE

1025.8436 PYG

2020 HRK to PYG Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HRK to PYG exchange rate experienced significant fluctuation. The market reached its absolute peak on December 17, valuing the pair at 1136.1694. Conversely, the yearly low was recorded on April 13, dropping to 922.9985.

This high-to-low spread represents a total annual volatility of 213.1709 PYG. From a start-to-finish perspective, comparing the January average rate of 970.7751 to the December average rate of 1122.7604, the exchange rate registered a net change of 15.66% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 1136.1694 was up 16.71% compared to the 2019 peak of 973.5039, 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 5,680,847 PYG

2019 Average 4,705,138 PYG

Yearly Trough Low 4,614,993 PYG

Transaction Impact: A difference of 1,065,854.52 PYG purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

1141.9074

912.1433

JanuMarcMayJulySeptNove

HRK to PYG 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 960.0597, compared to 1091.6276 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 131.5679 points.

H1 Avg (Jan–Jun) 960.0597

H2 Avg (Jul–Dec) 1091.6276

Volatility Range Comparison

Volatility

The most volatile month in 2020 was July, with a trading range of 89.7634 PYG (High: 1101.8454 / Low: 1012.0820). On the other end, January was the most stable month, with a tight range of 12.4368 PYG (High: 976.9937 / Low: 964.5569).

July Spread (Volatile) ±89.7634

January Spread (Stable) ±12.4368

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 28.1767 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -28.1767

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2020: 1122.7604) against the same month in 2019 (average: 962.2043), the exchange rate shifted by +160.5560 (+16.69%).

2020 Avg (December) 1122.7604

2019 Avg (December) 962.2043

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	976.9937	964.5569	970.7751
February	972.4688	945.2248	955.4825
March	993.5515	923.6735	959.4670
April	943.6909	922.9985	931.2903
May	972.0284	929.3666	946.9982
June	1008.8949	973.6711	996.3453
July	1101.8454	1012.0820	1048.8272
August	1104.4018	1086.9349	1095.3762
September	1101.7518	1077.5469	1091.0810
October	1101.2564	1081.6230	1089.9176
November	1115.8493	1080.2453	1101.8031
December	1136.1694	1093.6208	1122.7604