2020 HRK to SCR Historical Review

YEARLY HIGH

3.4547 SCR

YEARLY LOW

1.8514 SCR

YEARLY AVERAGE

2.6079 SCR

2020 HRK to SCR Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HRK to SCR exchange rate experienced significant fluctuation. The market reached its absolute peak on December 30, valuing the pair at 3.4547. Conversely, the yearly low was recorded on March 16, dropping to 1.8514.

This high-to-low spread represents a total annual volatility of 1.6033 SCR. From a start-to-finish perspective, comparing the January average rate of 2.0380 to the December average rate of 3.4213, the exchange rate registered a net change of 67.87% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 3.4547 was up 62.70% compared to the 2019 peak of 2.1234, 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 17,273 SCR

2019 Average 10,321 SCR

Yearly Trough Low 9,257 SCR

Transaction Impact: A difference of 8,016.44 SCR purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

3.5637

1.8548

JanuMarcMayJulySeptNove

HRK to SCR 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 2.2501, compared to 2.9656 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.7155 points.

H1 Avg (Jan–Jun) 2.2501

H2 Avg (Jul–Dec) 2.9656

Volatility Range Comparison

Volatility

The most volatile month in 2020 was April, with a trading range of 0.5778 SCR (High: 2.5336 / Low: 1.9557). On the other end, September was the most stable month, with a tight range of 0.0653 SCR (High: 2.8338 / Low: 2.7685).

April Spread (Volatile) ±0.5778

September Spread (Stable) ±0.0653

Growth Streaks & Declines

Trends

Between March and August, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 5 straight months. Conversely, the sharpest month-over-month decline occurred between January and February, when the average rate fell by 0.0367 points.

Longest Streak 5 Mo.

Sharpest MoM Drop -0.0367

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2020: 3.4213) against the same month in 2019 (average: 2.0455), the exchange rate shifted by +1.3758 (+67.26%).

2020 Avg (December) 3.4213

2019 Avg (December) 2.0455

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	2.0716	1.9220	2.0380
February	2.0356	1.9606	2.0013
March	2.0827	1.8514	1.9972
April	2.5336	1.9557	2.3446
May	2.5910	2.2993	2.5065
June	2.6533	2.4821	2.6129
July	2.8200	2.6174	2.6878
August	2.9264	2.7906	2.8152
September	2.8338	2.7685	2.8053
October	3.0174	2.7847	2.8730
November	3.2902	2.9711	3.1912
December	3.4547	3.3263	3.4213