YEARLY HIGH
4.9680 THB
YEARLY LOW
4.5156 THB
YEARLY AVERAGE
4.7339 THB

2020 HRK to THB Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HRK to THB exchange rate experienced significant fluctuation. The market reached its absolute peak on July 30, valuing the pair at 4.9680. Conversely, the yearly low was recorded on January 9, dropping to 4.5156.

This high-to-low spread represents a total annual volatility of 0.4525 THB. From a start-to-finish perspective, comparing the January average rate of 4.5377 to the December average rate of 4.8528, the exchange rate registered a net change of 6.94% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 4.9680 was down 0.71% compared to the 2019 peak of 5.0038, 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 24,840 THB
2019 Average 23,424 THB
Yearly Trough Low 22,578 THB
Transaction Impact: A difference of 2,262.27 THB purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

4.9575
4.4995
JanuMarcMayJulySeptNove

HRK to THB 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 4.6219, compared to 4.8459 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.2239 points.

H1 Avg (Jan–Jun) 4.6219
H2 Avg (Jul–Dec) 4.8459

Volatility Range Comparison

Volatility

The most volatile month in 2020 was July, with a trading range of 0.3530 THB (High: 4.9680 / Low: 4.6151). On the other end, September was the most stable month, with a tight range of 0.0680 THB (High: 4.9363 / Low: 4.8683).

July Spread (Volatile) ±0.3530
September Spread (Stable) ±0.0680

Growth Streaks & Declines

Trends

Between May and August, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 3 straight months. Conversely, the sharpest month-over-month decline occurred between October and November, when the average rate fell by 0.0892 points.

Longest Streak 3 Mo.
Sharpest MoM Drop -0.0892

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (July 2020: 4.7818) against the same month in 2019 (average: 4.6773), the exchange rate shifted by +0.1045 (+2.23%).

2020 Avg (July) 4.7818
2019 Avg (July) 4.6773

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 4.6511 4.5156 4.5377
February 4.6687 4.5229 4.5898
March 4.7807 4.5616 4.6836
April 4.7529 4.6052 4.6717
May 4.7049 4.5811 4.6191
June 4.7220 4.5716 4.6297
July 4.9680 4.6151 4.7818
August 4.9508 4.8820 4.9193
September 4.9363 4.8683 4.9003
October 4.9061 4.7851 4.8552
November 4.8228 4.7088 4.7660
December 4.8835 4.8121 4.8528