2020 PEN to HRK Historical Review

YEARLY HIGH

2.0839 HRK

YEARLY LOW

1.6956 HRK

YEARLY AVERAGE

1.8956 HRK

2020 PEN to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the PEN to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on April 23, valuing the pair at 2.0839. Conversely, the yearly low was recorded on December 30, dropping to 1.6956.

This high-to-low spread represents a total annual volatility of 0.3883 HRK. From a start-to-finish perspective, comparing the January average rate of 2.0160 to the December average rate of 1.7206, the exchange rate registered a net change of -14.65% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 2.0839 was up 2.87% compared to the 2019 peak of 2.0257, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 10,419 HRK

2019 Average 9,932 HRK

Yearly Trough Low 8,478 HRK

Transaction Impact: A difference of 1,941.37 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

2.0878

1.6872

JanuMarcMayJulySeptNove

PEN 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 2.0025, compared to 1.7887 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.2138 points.

H1 Avg (Jan–Jun) 2.0025

H2 Avg (Jul–Dec) 1.7887

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.1458 HRK (High: 2.0325 / Low: 1.8866). On the other end, October was the most stable month, with a tight range of 0.0309 HRK (High: 1.8065 / Low: 1.7757).

March Spread (Volatile) ±0.1458

October Spread (Stable) ±0.0309

Growth Streaks & Declines

Trends

No sustained consecutive month-over-month growth streak of 2+ months occurred in 2020. Conversely, the sharpest month-over-month decline occurred between May and June, when the average rate fell by 0.0963 points.

Longest Streak 1 Mo.

Sharpest MoM Drop -0.0963

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (April 2020: 2.0545) against the same month in 2019 (average: 2.0026), the exchange rate shifted by +0.0519 (+2.59%).

2020 Avg (April) 2.0545

2019 Avg (April) 2.0026

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	2.0320	1.9823	2.0160
February	2.0398	1.9612	2.0138
March	2.0325	1.8866	1.9628
April	2.0839	2.0201	2.0545
May	2.0628	1.9908	2.0320
June	1.9913	1.9051	1.9357
July	1.9077	1.7883	1.8690
August	1.7986	1.7668	1.7825
September	1.8206	1.7788	1.7999
October	1.8065	1.7757	1.7902
November	1.7986	1.7412	1.7697
December	1.7364	1.6956	1.7206