2021 HRK to TOP Historical Review

YEARLY HIGH

0.3701 TOP

YEARLY LOW

0.3379 TOP

YEARLY AVERAGE

0.3560 TOP

2021 HRK to TOP Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the HRK to TOP exchange rate experienced significant fluctuation. The market reached its absolute peak on January 5, valuing the pair at 0.3701. Conversely, the yearly low was recorded on November 23, dropping to 0.3379.

This high-to-low spread represents a total annual volatility of 0.0322 TOP. From a start-to-finish perspective, comparing the January average rate of 0.3671 to the December average rate of 0.3434, the exchange rate registered a net change of -6.45% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2021 high of 0.3701 was down 0.53% compared to the 2020 peak of 0.3721, 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 1,850 TOP

2020 Average 1,743 TOP

Yearly Trough Low 1,690 TOP

Transaction Impact: A difference of 160.85 TOP purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

0.3695

0.3400

JanuMarcMayJulySeptNove

HRK to TOP 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 0.3623, compared to 0.3498 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0125 points.

H1 Avg (Jan–Jun) 0.3623

H2 Avg (Jul–Dec) 0.3498

Volatility Range Comparison

Volatility

The most volatile month in 2021 was March, with a trading range of 0.0107 TOP (High: 0.3652 / Low: 0.3545). On the other end, December was the most stable month, with a tight range of 0.0033 TOP (High: 0.3456 / Low: 0.3423).

March Spread (Volatile) ±0.0107

December Spread (Stable) ±0.0033

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 February and March, when the average rate fell by 0.0086 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0086

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2021: 0.3671) against the same month in 2020 (average: 0.3426), the exchange rate shifted by +0.0245 (+7.15%).

2021 Avg (January) 0.3671

2020 Avg (January) 0.3426

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.3701	0.3638	0.3671
February	0.3686	0.3619	0.3665
March	0.3652	0.3545	0.3579
April	0.3633	0.3556	0.3597
May	0.3669	0.3600	0.3635
June	0.3627	0.3539	0.3587
July	0.3583	0.3530	0.3559
August	0.3581	0.3529	0.3554
September	0.3564	0.3506	0.3537
October	0.3514	0.3446	0.3479
November	0.3467	0.3379	0.3424
December	0.3456	0.3423	0.3434

૨૦૨૫ HRK થી TOP ઐતિહાસિક સમીક્ષા