2021 ETB to HRK Historical Review

YEARLY HIGH

0.1602 HRK

YEARLY LOW

0.0292 HRK

YEARLY AVERAGE

0.1456 HRK

2021 ETB to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the ETB to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on February 4, valuing the pair at 0.1602. Conversely, the yearly low was recorded on December 27, dropping to 0.0292.

This high-to-low spread represents a total annual volatility of 0.1309 HRK. From a start-to-finish perspective, comparing the January average rate of 0.1577 to the December average rate of 0.1334, the exchange rate registered a net change of -15.38% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2021 high of 0.1602 was down 26.66% compared to the 2020 peak of 0.2184, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 801 HRK

2020 Average 952 HRK

Yearly Trough Low 146 HRK

Transaction Impact: A difference of 654.75 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

0.1601

0.1310

JanuMarcMayJulySeptNove

ETB 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 0.1521, compared to 0.1390 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0131 points.

H1 Avg (Jan–Jun) 0.1521

H2 Avg (Jul–Dec) 0.1390

Volatility Range Comparison

Volatility

The most volatile month in 2021 was December, with a trading range of 0.1098 HRK (High: 0.1390 / Low: 0.0292). On the other end, July was the most stable month, with a tight range of 0.0026 HRK (High: 0.1449 / Low: 0.1423).

December Spread (Volatile) ±0.1098

July Spread (Stable) ±0.0026

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 0.0067 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0067

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (February 2021: 0.1572) against the same month in 2020 (average: 0.2127), the exchange rate shifted by -0.0555 (-26.10%).

2021 Avg (February) 0.1572

2020 Avg (February) 0.2127

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.1590	0.1558	0.1577
February	0.1602	0.1547	0.1572
March	0.1601	0.1542	0.1573
April	0.1567	0.1482	0.1520
May	0.1491	0.1410	0.1453
June	0.1461	0.1412	0.1432
July	0.1449	0.1423	0.1440
August	0.1436	0.1389	0.1411
September	0.1398	0.1369	0.1382
October	0.1405	0.1360	0.1385
November	0.1408	0.1366	0.1388
December	0.1390	0.0292	0.1334