2020 KES to HRK Historical Review

YEARLY HIGH

0.0683 HRK

YEARLY LOW

0.0550 HRK

YEARLY AVERAGE

0.0622 HRK

2020 KES to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the KES to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on February 16, valuing the pair at 0.0683. Conversely, the yearly low was recorded on December 17, dropping to 0.0550.

This high-to-low spread represents a total annual volatility of 0.0133 HRK. From a start-to-finish perspective, comparing the January average rate of 0.0663 to the December average rate of 0.0561, the exchange rate registered a net change of -15.45% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.0683 was up 2.39% compared to the 2019 peak of 0.0667, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 342 HRK

2019 Average 325 HRK

Yearly Trough Low 275 HRK

Transaction Impact: A difference of 66.36 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.0689

0.0549

JanuMarcMayJulySeptNove

KES 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 0.0656, compared to 0.0588 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0069 points.

H1 Avg (Jan–Jun) 0.0656

H2 Avg (Jul–Dec) 0.0588

Volatility Range Comparison

Volatility

The most volatile month in 2020 was July, with a trading range of 0.0046 HRK (High: 0.0632 / Low: 0.0585). On the other end, August was the most stable month, with a tight range of 0.0010 HRK (High: 0.0591 / Low: 0.0582).

July Spread (Volatile) ±0.0046

August Spread (Stable) ±0.0010

Growth Streaks & Declines

Trends

Between August and October, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 2 straight months. Conversely, the sharpest month-over-month decline occurred between July and August, when the average rate fell by 0.0026 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0026

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (February 2020: 0.0677) against the same month in 2019 (average: 0.0652), the exchange rate shifted by +0.0025 (+3.89%).

2020 Avg (February) 0.0677

2019 Avg (February) 0.0652

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0671	0.0653	0.0663
February	0.0683	0.0668	0.0677
March	0.0679	0.0640	0.0660
April	0.0666	0.0645	0.0656
May	0.0661	0.0640	0.0651
June	0.0639	0.0625	0.0632
July	0.0632	0.0585	0.0612
August	0.0591	0.0582	0.0587
September	0.0598	0.0583	0.0590
October	0.0598	0.0587	0.0592
November	0.0598	0.0574	0.0584
December	0.0569	0.0550	0.0561