2021 BAM to HRK Historical Review
A comprehensive breakdown of exchange rate performance throughout the year 2021.
2021 BAM to HRK Performance & Market Timing Review
Analysis of key historical highlights and timing insights for 2021
During 2021, the BAM to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on March 4, valuing the pair at 3.9027. Conversely, the yearly low was recorded on September 13, dropping to 3.8124.
This high-to-low spread represents a total annual volatility of 0.0903 HRK. From a start-to-finish perspective, comparing the January average rate of 3.8678 to the December average rate of 3.8452, the exchange rate registered a net change of -0.58% (reflecting a weakening trend).
Looking at year-over-year peak valuations, the 2021 high of 3.9027 was down 0.63% compared to the 2020 peak of 3.9274, indicating shifts in long-term support levels.
Comparing the value generated converting 5,000 BAM based on timing:
Trend Visualization
Monthly average fluctuations over the course of 2021.
BAM to HRK Seasonal Trends & Volatility Analysis
A structured review of seasonal halves, trading extremes, consecutive streaks, and historical baselines.
Seasonal Halves (H1 vs H2)
SeasonalThe average exchange rate in the first half of the year (H1: Jan–Jun) was 3.8603, compared to 3.8400 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0203 points.
Volatility Range Comparison
VolatilityThe most volatile month in 2021 was May, with a trading range of 0.0651 HRK (High: 3.8793 / Low: 3.8143). On the other end, January was the most stable month, with a tight range of 0.0247 HRK (High: 3.8809 / Low: 3.8562).
Growth Streaks & Declines
TrendsBetween August and November, 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 0.0185 points.
Same-Month Historical Baseline
YoY BaselineComparing the current year's strongest month average (March 2021: 3.8758) against the same month in 2020 (average: 3.8703), the exchange rate shifted by +0.0054 (+0.14%).
Monthly Breakdown
Statistical summary for each calendar month.
| Month | High | Low | Average |
|---|---|---|---|
| January | 3.8809 | 3.8562 | 3.8678 |
| February | 3.8959 | 3.8446 | 3.8707 |
| March | 3.9027 | 3.8468 | 3.8758 |
| April | 3.8793 | 3.8428 | 3.8639 |
| May | 3.8793 | 3.8143 | 3.8455 |
| June | 3.8722 | 3.8216 | 3.8383 |
| July | 3.8575 | 3.8211 | 3.8379 |
| August | 3.8548 | 3.8182 | 3.8331 |
| September | 3.8571 | 3.8124 | 3.8349 |
| October | 3.8660 | 3.8176 | 3.8433 |
| November | 3.8685 | 3.8338 | 3.8453 |
| December | 3.8707 | 3.8219 | 3.8452 |