2020 ILS to HRK Historical Review

YEARLY HIGH

2.0165 HRK

YEARLY LOW

1.7926 HRK

YEARLY AVERAGE

1.9226 HRK

2020 ILS to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the ILS to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on February 20, valuing the pair at 2.0165. Conversely, the yearly low was recorded on March 17, dropping to 1.7926.

This high-to-low spread represents a total annual volatility of 0.2239 HRK. From a start-to-finish perspective, comparing the January average rate of 1.9376 to the December average rate of 1.9090, the exchange rate registered a net change of -1.48% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 2.0165 was up 3.08% compared to the 2019 peak of 1.9562, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

Comparing the value generated converting 5,000 ILS based on timing:

Yearly Peak High 10,082 HRK

2019 Average 9,304 HRK

Yearly Trough Low 8,963 HRK

Transaction Impact: A difference of 1,119.62 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

2.0007

1.8553

JanuMarcMayJulySeptNove

ILS to HRK 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 1.9521, compared to 1.8930 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0590 points.

H1 Avg (Jan–Jun) 1.9521

H2 Avg (Jul–Dec) 1.8930

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.1812 HRK (High: 1.9738 / Low: 1.7926). On the other end, November was the most stable month, with a tight range of 0.0284 HRK (High: 1.9147 / Low: 1.8863).

March Spread (Volatile) ±0.1812

November Spread (Stable) ±0.0284

Growth Streaks & Declines

Trends

Between August and December, 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 February and March, when the average rate fell by 0.0806 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.0806

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (February 2020: 1.9886) against the same month in 2019 (average: 1.8017), the exchange rate shifted by +0.1868 (+10.37%).

2020 Avg (February) 1.9886

2019 Avg (February) 1.8017

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	1.9565	1.9209	1.9376
February	2.0165	1.9401	1.9886
March	1.9738	1.7926	1.9080
April	1.9938	1.9290	1.9580
May	1.9941	1.9492	1.9736
June	1.9698	1.9099	1.9467
July	1.9560	1.8506	1.9150
August	1.8861	1.8456	1.8674
September	1.8924	1.8406	1.8692
October	1.9153	1.8787	1.8967
November	1.9147	1.8863	1.9008
December	1.9262	1.8946	1.9090