2020 HRK to YER Historical Review

YEARLY HIGH

40.7869 YER

YEARLY LOW

35.0281 YER

YEARLY AVERAGE

37.9077 YER

2020 HRK to YER Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HRK to YER exchange rate experienced significant fluctuation. The market reached its absolute peak on December 30, valuing the pair at 40.7869. Conversely, the yearly low was recorded on March 19, dropping to 35.0281.

This high-to-low spread represents a total annual volatility of 5.7588 YER. From a start-to-finish perspective, comparing the January average rate of 37.3417 to the December average rate of 40.4014, the exchange rate registered a net change of 8.19% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 40.7869 was up 4.72% compared to the 2019 peak of 38.9484, 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 203,935 YER

2019 Average 188,895 YER

Yearly Trough Low 175,141 YER

Transaction Impact: A difference of 28,794.06 YER purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

40.8584

35.3746

JanuMarcMayJulySeptNove

HRK to YER 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 36.6179, compared to 39.1976 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 2.5797 points.

H1 Avg (Jan–Jun) 36.6179

H2 Avg (Jul–Dec) 39.1976

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 3.0108 YER (High: 38.0389 / Low: 35.0281). On the other end, January was the most stable month, with a tight range of 0.6508 YER (High: 37.7087 / Low: 37.0579).

March Spread (Volatile) ±3.0108

January Spread (Stable) ±0.6508

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 0.7531 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.7531

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2020: 40.4014) against the same month in 2019 (average: 37.3761), the exchange rate shifted by +3.0254 (+8.09%).

2020 Avg (December) 40.4014

2019 Avg (December) 37.3761

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	37.7087	37.0579	37.3417
February	37.3099	36.2412	36.6641
March	38.0389	35.0281	36.5847
April	36.1801	35.4483	35.8316
May	36.6213	35.7255	36.0636
June	37.5929	36.6921	37.2216
July	39.6965	37.2064	38.1023
August	39.8487	39.1821	39.4512
September	39.6588	38.5675	39.1242
October	39.1931	38.5244	38.8952
November	39.6323	38.4941	39.2114
December	40.7869	40.0167	40.4014