2021 ARS to HRK Historical Review

YEARLY HIGH

0.0733 HRK

YEARLY LOW

0.0643 HRK

YEARLY AVERAGE

0.0671 HRK

2021 ARS to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the ARS to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on January 3, valuing the pair at 0.0733. Conversely, the yearly low was recorded on September 6, dropping to 0.0643.

This high-to-low spread represents a total annual volatility of 0.0089 HRK. From a start-to-finish perspective, comparing the January average rate of 0.0723 to the December average rate of 0.0653, the exchange rate registered a net change of -9.70% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2021 high of 0.0733 was down 34.90% compared to the 2020 peak of 0.1126, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 366 HRK

2020 Average 475 HRK

Yearly Trough Low 322 HRK

Transaction Impact: A difference of 44.72 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

0.0731

0.0641

JanuMarcMayJulySeptNove

ARS 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 0.0688, compared to 0.0655 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0033 points.

H1 Avg (Jan–Jun) 0.0688

H2 Avg (Jul–Dec) 0.0655

Volatility Range Comparison

Volatility

The most volatile month in 2021 was April, with a trading range of 0.0038 HRK (High: 0.0705 / Low: 0.0667). On the other end, August was the most stable month, with a tight range of 0.0011 HRK (High: 0.0660 / Low: 0.0649).

April Spread (Volatile) ±0.0038

August Spread (Stable) ±0.0011

Growth Streaks & Declines

Trends

Between September and November, 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 April and May, when the average rate fell by 0.0024 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0024

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2021: 0.0723) against the same month in 2020 (average: 0.1119), the exchange rate shifted by -0.0395 (-35.33%).

2021 Avg (January) 0.0723

2020 Avg (January) 0.1119

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0733	0.0714	0.0723
February	0.0720	0.0695	0.0706
March	0.0707	0.0693	0.0700
April	0.0705	0.0667	0.0683
May	0.0672	0.0649	0.0659
June	0.0663	0.0648	0.0654
July	0.0665	0.0654	0.0660
August	0.0660	0.0649	0.0656
September	0.0656	0.0643	0.0648
October	0.0658	0.0645	0.0653
November	0.0668	0.0648	0.0657
December	0.0660	0.0644	0.0653