2020 HRK to RSD Historical Review

YEARLY HIGH

15.8353 RSD

YEARLY LOW

15.3989 RSD

YEARLY AVERAGE

15.5996 RSD

2020 HRK to RSD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HRK to RSD exchange rate experienced significant fluctuation. The market reached its absolute peak on January 31, valuing the pair at 15.8353. Conversely, the yearly low was recorded on June 22, dropping to 15.3989.

This high-to-low spread represents a total annual volatility of 0.4363 RSD. From a start-to-finish perspective, comparing the January average rate of 15.7941 to the December average rate of 15.5931, the exchange rate registered a net change of -1.27% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 15.8353 was down 1.41% compared to the 2019 peak of 16.0618, 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 79,176 RSD

2019 Average 79,415 RSD

Yearly Trough Low 76,995 RSD

Transaction Impact: A difference of 2,181.75 RSD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

15.8249

15.4552

JanuMarcMayJulySeptNove

HRK to RSD 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 15.6081, compared to 15.5910 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0172 points.

H1 Avg (Jan–Jun) 15.6081

H2 Avg (Jul–Dec) 15.5910

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.4019 RSD (High: 15.8055 / Low: 15.4036). On the other end, November was the most stable month, with a tight range of 0.0492 RSD (High: 15.5718 / Low: 15.5226).

March Spread (Volatile) ±0.4019

November Spread (Stable) ±0.0492

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 February and March, when the average rate fell by 0.2381 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.2381

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2020: 15.7941) against the same month in 2019 (average: 15.9331), the exchange rate shifted by -0.1391 (-0.87%).

2020 Avg (January) 15.7941

2019 Avg (January) 15.9331

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	15.8353	15.7392	15.7941
February	15.8353	15.7467	15.7743
March	15.8055	15.4036	15.5363
April	15.5775	15.4019	15.4860
May	15.6175	15.4903	15.5247
June	15.5759	15.3989	15.5336
July	15.7975	15.5407	15.6216
August	15.7977	15.5971	15.6693
September	15.6227	15.5641	15.5900
October	15.5512	15.4956	15.5257
November	15.5718	15.5226	15.5463
December	15.6230	15.5655	15.5931