2021 GYD to HRK Historical Review

YEARLY HIGH

0.0321 HRK

YEARLY LOW

0.0293 HRK

YEARLY AVERAGE

0.0304 HRK

2021 GYD to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the GYD to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on November 24, valuing the pair at 0.0321. Conversely, the yearly low was recorded on January 6, dropping to 0.0293.

This high-to-low spread represents a total annual volatility of 0.0028 HRK. From a start-to-finish perspective, comparing the January average rate of 0.0297 to the December average rate of 0.0318, the exchange rate registered a net change of 7.06% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 0.0321 was down 6.46% compared to the 2020 peak of 0.0343, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 161 HRK

2020 Average 158 HRK

Yearly Trough Low 146 HRK

Transaction Impact: A difference of 14.01 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

0.0320

0.0294

JanuMarcMayJulySeptNove

GYD 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 0.0300, compared to 0.0309 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0010 points.

H1 Avg (Jan–Jun) 0.0300

H2 Avg (Jul–Dec) 0.0309

Volatility Range Comparison

Volatility

The most volatile month in 2021 was November, with a trading range of 0.0012 HRK (High: 0.0321 / Low: 0.0309). On the other end, December was the most stable month, with a tight range of 0.0004 HRK (High: 0.0320 / Low: 0.0316).

November Spread (Volatile) ±0.0012

December Spread (Stable) ±0.0004

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 0.0006 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0006

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (November 2021: 0.0315) against the same month in 2020 (average: 0.0305), the exchange rate shifted by +0.0010 (+3.22%).

2021 Avg (November) 0.0315

2020 Avg (November) 0.0305

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0299	0.0293	0.0297
February	0.0303	0.0298	0.0299
March	0.0309	0.0300	0.0305
April	0.0308	0.0298	0.0303
May	0.0300	0.0293	0.0296
June	0.0302	0.0294	0.0298
July	0.0307	0.0302	0.0303
August	0.0307	0.0302	0.0305
September	0.0310	0.0301	0.0304
October	0.0312	0.0307	0.0310
November	0.0321	0.0309	0.0315
December	0.0320	0.0316	0.0318