2021 HNL to CZK Historical Review

YEARLY HIGH

0.9459 CZK

YEARLY LOW

0.8532 CZK

YEARLY AVERAGE

0.8996 CZK

2021 HNL to CZK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the HNL to CZK exchange rate experienced significant fluctuation. The market reached its absolute peak on November 25, valuing the pair at 0.9459. Conversely, the yearly low was recorded on January 6, dropping to 0.8532.

This high-to-low spread represents a total annual volatility of 0.0928 CZK. From a start-to-finish perspective, comparing the January average rate of 0.8861 to the December average rate of 0.9194, the exchange rate registered a net change of 3.77% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 0.9459 was down 9.62% compared to the 2020 peak of 1.0467, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 4,730 CZK

2020 Average 4,691 CZK

Yearly Trough Low 4,266 CZK

Transaction Impact: A difference of 463.80 CZK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

0.9265

0.8683

JanuMarcMayJulySeptNove

HNL to CZK 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 0.8885, compared to 0.9106 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0222 points.

H1 Avg (Jan–Jun) 0.8885

H2 Avg (Jul–Dec) 0.9106

Volatility Range Comparison

Volatility

The most volatile month in 2021 was November, with a trading range of 0.0452 CZK (High: 0.9459 / Low: 0.9007). On the other end, October was the most stable month, with a tight range of 0.0163 CZK (High: 0.9191 / Low: 0.9028).

November Spread (Volatile) ±0.0452

October Spread (Stable) ±0.0163

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 0.0273 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0273

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (November 2021: 0.9216) against the same month in 2020 (average: 0.9154), the exchange rate shifted by +0.0062 (+0.68%).

2021 Avg (November) 0.9216

2020 Avg (November) 0.9154

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.8971	0.8532	0.8861
February	0.9003	0.8727	0.8827
March	0.9243	0.8920	0.9089
April	0.9195	0.8842	0.9004
May	0.8923	0.8615	0.8732
June	0.8997	0.8635	0.8796
July	0.9190	0.8980	0.9075
August	0.9216	0.8962	0.9097
September	0.9118	0.8856	0.8952
October	0.9191	0.9028	0.9103
November	0.9459	0.9007	0.9216
December	0.9346	0.8964	0.9194