2020 HRK to SGD Historical Review

YEARLY HIGH

0.2179 SGD

YEARLY LOW

0.2002 SGD

YEARLY AVERAGE

0.2088 SGD

2020 HRK to SGD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HRK to SGD exchange rate experienced significant fluctuation. The market reached its absolute peak on August 6, valuing the pair at 0.2179. Conversely, the yearly low was recorded on January 25, dropping to 0.2002.

This high-to-low spread represents a total annual volatility of 0.0177 SGD. From a start-to-finish perspective, comparing the January average rate of 0.2015 to the December average rate of 0.2150, the exchange rate registered a net change of 6.71% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.2179 was up 3.22% compared to the 2019 peak of 0.2111, 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 1,089 SGD

2019 Average 1,029 SGD

Yearly Trough Low 1,001 SGD

Transaction Impact: A difference of 88.43 SGD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.2172

0.2001

JanuMarcMayJulySeptNove

HRK to SGD 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 0.2045, compared to 0.2130 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0084 points.

H1 Avg (Jan–Jun) 0.2045

H2 Avg (Jul–Dec) 0.2130

Volatility Range Comparison

Volatility

The most volatile month in 2020 was July, with a trading range of 0.0104 SGD (High: 0.2177 / Low: 0.2073). On the other end, November was the most stable month, with a tight range of 0.0020 SGD (High: 0.2119 / Low: 0.2098).

July Spread (Volatile) ±0.0104

November Spread (Stable) ±0.0020

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 0.0032 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.0032

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (August 2020: 0.2158) against the same month in 2019 (average: 0.2085), the exchange rate shifted by +0.0073 (+3.49%).

2020 Avg (August) 0.2158

2019 Avg (August) 0.2085

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.2034	0.2002	0.2015
February	0.2057	0.2019	0.2035
March	0.2106	0.2034	0.2070
April	0.2061	0.2026	0.2038
May	0.2070	0.2024	0.2043
June	0.2093	0.2054	0.2072
July	0.2177	0.2073	0.2112
August	0.2179	0.2144	0.2158
September	0.2156	0.2117	0.2135
October	0.2126	0.2099	0.2113
November	0.2119	0.2098	0.2109
December	0.2165	0.2138	0.2150