2020 PGK to HRK Historical Review

YEARLY HIGH

2.0986 HRK

YEARLY LOW

1.7460 HRK

YEARLY AVERAGE

1.9080 HRK

2020 PGK to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the PGK to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on March 19, valuing the pair at 2.0986. Conversely, the yearly low was recorded on December 31, dropping to 1.7460.

This high-to-low spread represents a total annual volatility of 0.3526 HRK. From a start-to-finish perspective, comparing the January average rate of 1.9702 to the December average rate of 1.7619, the exchange rate registered a net change of -10.57% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 2.0986 was down 12.32% compared to the 2019 peak of 2.3934, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 10,493 HRK

2019 Average 9,794 HRK

Yearly Trough Low 8,730 HRK

Transaction Impact: A difference of 1,763.17 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

2.0541

1.7353

JanuMarcMayJulySeptNove

PGK 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 1.9917, compared to 1.8244 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.1673 points.

H1 Avg (Jan–Jun) 1.9917

H2 Avg (Jul–Dec) 1.8244

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.1885 HRK (High: 2.0986 / Low: 1.9101). On the other end, December was the most stable month, with a tight range of 0.0315 HRK (High: 1.7775 / Low: 1.7460).

March Spread (Volatile) ±0.1885

December Spread (Stable) ±0.0315

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 0.0858 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0858

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (March 2020: 1.9973) against the same month in 2019 (average: 1.9473), the exchange rate shifted by +0.0501 (+2.57%).

2020 Avg (March) 1.9973

2019 Avg (March) 1.9473

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	1.9969	1.9370	1.9702
February	2.0442	1.9501	2.0069
March	2.0986	1.9101	1.9973
April	2.0652	1.9980	2.0275
May	2.0334	1.9731	2.0037
June	1.9640	1.9128	1.9446
July	1.9506	1.8123	1.8939
August	1.8322	1.7875	1.8081
September	1.8687	1.7885	1.8321
October	1.8527	1.8181	1.8356
November	1.8539	1.7944	1.8150
December	1.7775	1.7460	1.7619