2021 GHS to HRK Historical Review

YEARLY HIGH

1.1192 HRK

YEARLY LOW

1.0402 HRK

YEARLY AVERAGE

1.0752 HRK

2021 GHS to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the GHS to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on March 26, valuing the pair at 1.1192. Conversely, the yearly low was recorded on September 6, dropping to 1.0402.

This high-to-low spread represents a total annual volatility of 0.0790 HRK. From a start-to-finish perspective, comparing the January average rate of 1.0617 to the December average rate of 1.0832, the exchange rate registered a net change of 2.02% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 1.1192 was down 13.73% compared to the 2020 peak of 1.2973, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 5,596 HRK

2020 Average 5,771 HRK

Yearly Trough Low 5,201 HRK

Transaction Impact: A difference of 394.92 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

1.1146

1.0501

JanuMarcMayJulySeptNove

GHS 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 1.0820, compared to 1.0683 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0137 points.

H1 Avg (Jan–Jun) 1.0820

H2 Avg (Jul–Dec) 1.0683

Volatility Range Comparison

Volatility

The most volatile month in 2021 was April, with a trading range of 0.0383 HRK (High: 1.1164 / Low: 1.0781). On the other end, February was the most stable month, with a tight range of 0.0184 HRK (High: 1.0923 / Low: 1.0739).

April Spread (Volatile) ±0.0383

February Spread (Stable) ±0.0184

Growth Streaks & Declines

Trends

Between September and December, 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 0.0225 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0225

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (March 2021: 1.1092) against the same month in 2020 (average: 1.2267), the exchange rate shifted by -0.1174 (-9.57%).

2021 Avg (March) 1.1092

2020 Avg (March) 1.2267

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	1.0729	1.0450	1.0617
February	1.0923	1.0739	1.0807
March	1.1192	1.0921	1.1092
April	1.1164	1.0781	1.0954
May	1.0869	1.0597	1.0729
June	1.0922	1.0583	1.0720
July	1.0799	1.0558	1.0691
August	1.0744	1.0500	1.0582
September	1.0711	1.0402	1.0554
October	1.0745	1.0553	1.0669
November	1.0952	1.0608	1.0769
December	1.0988	1.0747	1.0832