2021 HRK to BIF Historical Review

YEARLY HIGH

321.8017 BIF

YEARLY LOW

296.7058 BIF

YEARLY AVERAGE

310.1998 BIF

2021 HRK to BIF Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the HRK to BIF exchange rate experienced significant fluctuation. The market reached its absolute peak on May 25, valuing the pair at 321.8017. Conversely, the yearly low was recorded on November 25, dropping to 296.7058.

This high-to-low spread represents a total annual volatility of 25.0959 BIF. From a start-to-finish perspective, comparing the January average rate of 313.2657 to the December average rate of 300.2367, the exchange rate registered a net change of -4.16% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2021 high of 321.8017 was up 1.71% compared to the 2020 peak of 316.3863, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 1,609,008 BIF

2020 Average 1,450,268 BIF

Yearly Trough Low 1,483,529 BIF

Transaction Impact: A difference of 125,479.71 BIF purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

319.7077

298.4666

JanuMarcMayJulySeptNove

HRK to BIF 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 312.6651, compared to 307.7346 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 4.9305 points.

H1 Avg (Jan–Jun) 312.6651

H2 Avg (Jul–Dec) 307.7346

Volatility Range Comparison

Volatility

The most volatile month in 2021 was April, with a trading range of 12.4326 BIF (High: 314.4674 / Low: 302.0348). On the other end, October was the most stable month, with a tight range of 4.1961 BIF (High: 309.6229 / Low: 305.4268).

April Spread (Volatile) ±12.4326

October Spread (Stable) ±4.1961

Growth Streaks & Declines

Trends

Between March and May, 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 October and November, when the average rate fell by 5.2629 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -5.2629

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (May 2021: 317.9376) against the same month in 2020 (average: 274.1969), the exchange rate shifted by +43.7408 (+15.95%).

2021 Avg (May) 317.9376

2020 Avg (May) 274.1969

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	316.9419	310.3705	313.2657
February	313.8856	308.1076	311.5079
March	311.2431	302.7235	306.9229
April	314.4674	302.0348	308.7499
May	321.8017	311.1654	317.9376
June	321.5348	313.3893	317.6065
July	314.8970	309.2799	312.3902
August	314.0400	309.0541	311.4734
September	314.9257	307.5040	312.3395
October	309.6229	305.4268	307.6153
November	307.6565	296.7058	302.3524
December	303.1014	298.8451	300.2367

૨૦૨૫ HRK થી BIF ઐતિહાસિક સમીક્ષા