YEARLY HIGH
3.7313 HRK
YEARLY LOW
3.4039 HRK
YEARLY AVERAGE
3.5369 HRK

2021 AWG to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the AWG to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on November 24, valuing the pair at 3.7313. Conversely, the yearly low was recorded on January 6, dropping to 3.4039.

This high-to-low spread represents a total annual volatility of 0.3273 HRK. From a start-to-finish perspective, comparing the January average rate of 3.4525 to the December average rate of 3.6960, the exchange rate registered a net change of 7.05% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 3.7313 was down 6.01% compared to the 2020 peak of 3.9698, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 18,656 HRK
2020 Average 18,368 HRK
Yearly Trough Low 17,020 HRK
Transaction Impact: A difference of 1,636.58 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

3.7216
3.4151
JanuMarcMayJulySeptNove

AWG 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 3.4813, compared to 3.5925 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.1112 points.

H1 Avg (Jan–Jun) 3.4813
H2 Avg (Jul–Dec) 3.5925

Volatility Range Comparison

Volatility

The most volatile month in 2021 was November, with a trading range of 0.1346 HRK (High: 3.7313 / Low: 3.5967). On the other end, December was the most stable month, with a tight range of 0.0437 HRK (High: 3.7159 / Low: 3.6722).

November Spread (Volatile) ±0.1346
December Spread (Stable) ±0.0437

Growth Streaks & Declines

Trends

Between May and August, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 3 straight months. Conversely, the sharpest month-over-month decline occurred between April and May, when the average rate fell by 0.0753 points.

Longest Streak 3 Mo.
Sharpest MoM Drop -0.0753

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (November 2021: 3.6628) against the same month in 2020 (average: 3.5471), the exchange rate shifted by +0.1157 (+3.26%).

2021 Avg (November) 3.6628
2020 Avg (November) 3.5471

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 3.4756 3.4039 3.4525
February 3.5153 3.4575 3.4787
March 3.5873 3.4845 3.5393
April 3.5780 3.4601 3.5159
May 3.4874 3.4082 3.4406
June 3.5124 3.4128 3.4608
July 3.5563 3.5043 3.5240
August 3.5638 3.5069 3.5379
September 3.5951 3.5009 3.5366
October 3.6208 3.5737 3.5978
November 3.7313 3.5967 3.6628
December 3.7159 3.6722 3.6960