2020 HRK to WST Historical Review

YEARLY HIGH

0.4163 WST

YEARLY LOW

0.3859 WST

YEARLY AVERAGE

0.4027 WST

2020 HRK to WST Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HRK to WST exchange rate experienced significant fluctuation. The market reached its absolute peak on August 6, valuing the pair at 0.4163. Conversely, the yearly low was recorded on March 19, dropping to 0.3859.

This high-to-low spread represents a total annual volatility of 0.0304 WST. From a start-to-finish perspective, comparing the January average rate of 0.3925 to the December average rate of 0.4117, the exchange rate registered a net change of 4.88% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.4163 was up 2.70% compared to the 2019 peak of 0.4054, 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 2,082 WST

2019 Average 1,984 WST

Yearly Trough Low 1,929 WST

Transaction Impact: A difference of 152.21 WST purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.4150

0.3900

JanuMarcMayJulySeptNove

HRK to WST 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 0.3965, compared to 0.4089 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0124 points.

H1 Avg (Jan–Jun) 0.3965

H2 Avg (Jul–Dec) 0.4089

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.0208 WST (High: 0.4067 / Low: 0.3859). On the other end, August was the most stable month, with a tight range of 0.0063 WST (High: 0.4163 / Low: 0.4100).

March Spread (Volatile) ±0.0208

August Spread (Stable) ±0.0063

Growth Streaks & Declines

Trends

Between February and August, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 6 straight months. Conversely, the sharpest month-over-month decline occurred between August and September, when the average rate fell by 0.0039 points.

Longest Streak 6 Mo.

Sharpest MoM Drop -0.0039

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (August 2020: 0.4130) against the same month in 2019 (average: 0.3984), the exchange rate shifted by +0.0146 (+3.65%).

2020 Avg (August) 0.4130

2019 Avg (August) 0.3984

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.3961	0.3894	0.3925
February	0.3987	0.3868	0.3921
March	0.4067	0.3859	0.3971
April	0.4020	0.3916	0.3975
May	0.4045	0.3937	0.3983
June	0.4105	0.3952	0.4017
July	0.4141	0.3937	0.4038
August	0.4163	0.4100	0.4130
September	0.4129	0.4029	0.4091
October	0.4156	0.4022	0.4090
November	0.4112	0.4029	0.4068
December	0.4150	0.4079	0.4117