2021 BIF to HRK Historical Review

YEARLY HIGH

0.0034 HRK

YEARLY LOW

0.0031 HRK

YEARLY AVERAGE

0.0032 HRK

2021 BIF to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the BIF to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on November 25, valuing the pair at 0.0034. Conversely, the yearly low was recorded on May 25, dropping to 0.0031.

This high-to-low spread represents a total annual volatility of 0.0003 HRK. From a start-to-finish perspective, comparing the January average rate of 0.0032 to the December average rate of 0.0033, the exchange rate registered a net change of 4.34% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 0.0034 was down 10.78% compared to the 2020 peak of 0.0038, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 17 HRK

2020 Average 17 HRK

Yearly Trough Low 16 HRK

Transaction Impact: A difference of 1.31 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

0.0033

0.0031

JanuMarcMayJulySeptNove

BIF 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 0.0032, compared to 0.0033 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0001 points.

H1 Avg (Jan–Jun) 0.0032

H2 Avg (Jul–Dec) 0.0033

Volatility Range Comparison

Volatility

The most volatile month in 2021 was April, with a trading range of 0.0001 HRK (High: 0.0033 / Low: 0.0032). On the other end, October was the most stable month, with a tight range of 0.0000 HRK (High: 0.0033 / Low: 0.0032).

April Spread (Volatile) ±0.0001

October Spread (Stable) ±0.0000

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 0.0001 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0001

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (November 2021: 0.0033) against the same month in 2020 (average: 0.0033), the exchange rate shifted by +0.0000 (+0.46%).

2021 Avg (November) 0.0033

2020 Avg (November) 0.0033

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0032	0.0032	0.0032
February	0.0032	0.0032	0.0032
March	0.0033	0.0032	0.0033
April	0.0033	0.0032	0.0032
May	0.0032	0.0031	0.0031
June	0.0032	0.0031	0.0031
July	0.0032	0.0032	0.0032
August	0.0032	0.0032	0.0032
September	0.0033	0.0032	0.0032
October	0.0033	0.0032	0.0033
November	0.0034	0.0033	0.0033
December	0.0033	0.0033	0.0033

૨૦૨૫ BIF થી HRK ઐતિહાસિક સમીક્ષા