2021 PHP to HRK Historical Review

YEARLY HIGH

0.1341 HRK

YEARLY LOW

0.1249 HRK

YEARLY AVERAGE

0.1293 HRK

2021 PHP to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the PHP to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on December 19, valuing the pair at 0.1341. Conversely, the yearly low was recorded on July 19, dropping to 0.1249.

This high-to-low spread represents a total annual volatility of 0.0092 HRK. From a start-to-finish perspective, comparing the January average rate of 0.1293 to the December average rate of 0.1322, the exchange rate registered a net change of 2.31% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 0.1341 was down 4.17% compared to the 2020 peak of 0.1400, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

Comparing the value generated converting 250,000 PHP based on timing:

Yearly Peak High 33,532 HRK

2020 Average 33,317 HRK

Yearly Trough Low 31,237 HRK

Transaction Impact: A difference of 2,294.07 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

0.1328

0.1263

JanuMarcMayJulySeptNove

PHP 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 0.1299, compared to 0.1286 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0013 points.

H1 Avg (Jan–Jun) 0.1299

H2 Avg (Jul–Dec) 0.1286

Volatility Range Comparison

Volatility

The most volatile month in 2021 was November, with a trading range of 0.0054 HRK (High: 0.1333 / Low: 0.1279). On the other end, October was the most stable month, with a tight range of 0.0015 HRK (High: 0.1284 / Low: 0.1270).

November Spread (Volatile) ±0.0054

October Spread (Stable) ±0.0015

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 June and July, when the average rate fell by 0.0025 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0025

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2021: 0.1322) against the same month in 2020 (average: 0.1288), the exchange rate shifted by +0.0034 (+2.64%).

2021 Avg (December) 0.1322

2020 Avg (December) 0.1288

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.1302	0.1275	0.1293
February	0.1316	0.1273	0.1297
March	0.1331	0.1294	0.1313
April	0.1333	0.1285	0.1307
May	0.1308	0.1275	0.1294
June	0.1304	0.1284	0.1293
July	0.1285	0.1249	0.1268
August	0.1303	0.1254	0.1269
September	0.1280	0.1255	0.1268
October	0.1284	0.1270	0.1277
November	0.1333	0.1279	0.1310
December	0.1341	0.1295	0.1322

૨૦૨૫ PHP થી HRK ઐતિહાસિક સમીક્ષા