2020 HRK to RUB Historical Review

YEARLY HIGH

12.3904 RUB

YEARLY LOW

9.1212 RUB

YEARLY AVERAGE

10.9565 RUB

2020 HRK to RUB Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HRK to RUB exchange rate experienced significant fluctuation. The market reached its absolute peak on November 2, valuing the pair at 12.3904. Conversely, the yearly low was recorded on January 12, dropping to 9.1212.

This high-to-low spread represents a total annual volatility of 3.2691 RUB. From a start-to-finish perspective, comparing the January average rate of 9.2300 to the December average rate of 11.9419, the exchange rate registered a net change of 29.38% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 12.3904 was up 15.88% compared to the 2019 peak of 10.6922, 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 61,952 RUB

2019 Average 48,822 RUB

Yearly Trough Low 45,606 RUB

Transaction Impact: A difference of 16,345.59 RUB purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

12.3338

8.9478

JanuMarcMayJulySeptNove

HRK to RUB 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 10.1730, compared to 11.7400 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 1.5670 points.

H1 Avg (Jan–Jun) 10.1730

H2 Avg (Jul–Dec) 11.7400

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 1.7995 RUB (High: 11.6554 / Low: 9.8559). On the other end, October was the most stable month, with a tight range of 0.3472 RUB (High: 12.2631 / Low: 11.9159).

March Spread (Volatile) ±1.7995

October Spread (Stable) ±0.3472

Growth Streaks & Declines

Trends

Between June and October, 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 April and May, when the average rate fell by 0.2420 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.2420

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (November 2020: 12.0361) against the same month in 2019 (average: 9.4858), the exchange rate shifted by +2.5503 (+26.89%).

2020 Avg (November) 12.0361

2019 Avg (November) 9.4858

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	9.5342	9.1212	9.2300
February	9.8501	9.2281	9.4014
March	11.6554	9.8559	10.8896
April	11.3044	10.5025	10.7264
May	10.9029	10.2452	10.4844
June	10.5654	10.1303	10.3061
July	11.7777	10.4781	10.8866
August	11.8924	11.4615	11.6394
September	12.2913	11.6584	11.8842
October	12.2631	11.9159	12.0516
November	12.3904	11.8720	12.0361
December	12.2675	11.7365	11.9419