2020 HRK to VEF Historical Review

YEARLY HIGH

40483.4868 VEF

YEARLY LOW

34774.4638 VEF

YEARLY AVERAGE

37627.7326 VEF

2020 HRK to VEF Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HRK to VEF exchange rate experienced significant fluctuation. The market reached its absolute peak on December 30, valuing the pair at 40483.4868. Conversely, the yearly low was recorded on March 19, dropping to 34774.4638.

This high-to-low spread represents a total annual volatility of 5709.0231 VEF. From a start-to-finish perspective, comparing the January average rate of 37065.9287 to the December average rate of 40109.2172, the exchange rate registered a net change of 8.21% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 40483.4868 was up 4.72% compared to the 2019 peak of 38658.5188, 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 202,417,434 VEF

2019 Average 187,517,090 VEF

Yearly Trough Low 173,872,319 VEF

Transaction Impact: A difference of 28,545,115.43 VEF purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

40563.3905

35113.3113

JanuMarcMayJulySeptNove

HRK to VEF 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 36347.8847, compared to 38907.5806 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 2559.6959 points.

H1 Avg (Jan–Jun) 36347.8847

H2 Avg (Jul–Dec) 38907.5806

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 2989.0417 VEF (High: 37763.5055 / Low: 34774.4638). On the other end, January was the most stable month, with a tight range of 638.6562 VEF (High: 37428.2039 / Low: 36789.5477).

March Spread (Volatile) ±2989.0417

January Spread (Stable) ±638.6562

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 749.0240 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -749.0240

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2020: 40109.2172) against the same month in 2019 (average: 37101.2444), the exchange rate shifted by +3007.9728 (+8.11%).

2020 Avg (December) 40109.2172

2019 Avg (December) 37101.2444

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	37428.2039	36789.5477	37065.9287
February	37032.3196	35975.1625	36393.8845
March	37763.5055	34774.4638	36316.5086
April	35910.9489	35184.5891	35567.4845
May	36348.8815	35459.7355	35796.3536
June	37313.2581	36426.4428	36947.1481
July	39401.2054	36933.3100	37820.7676
August	39544.3756	38890.5945	39158.1857
September	39363.7554	38280.5822	38831.8493
October	38893.8207	38237.8039	38604.8210
November	39341.3818	38207.7480	38920.6427
December	40483.4868	39719.0409	40109.2172