2021 HRK to BAM Historical Review

YEARLY HIGH

0.2623 BAM

YEARLY LOW

0.2562 BAM

YEARLY AVERAGE

0.2597 BAM

2021 HRK to BAM Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the HRK to BAM exchange rate experienced significant fluctuation. The market reached its absolute peak on September 13, valuing the pair at 0.2623. Conversely, the yearly low was recorded on March 4, dropping to 0.2562.

This high-to-low spread represents a total annual volatility of 0.0061 BAM. From a start-to-finish perspective, comparing the January average rate of 0.2585 to the December average rate of 0.2601, the exchange rate registered a net change of 0.59% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 0.2623 was down 0.66% compared to the 2020 peak of 0.2640, 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 1,312 BAM

2020 Average 1,298 BAM

Yearly Trough Low 1,281 BAM

Transaction Impact: A difference of 30.35 BAM purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

0.2612

0.2577

JanuMarcMayJulySeptNove

HRK to BAM 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 0.2591, compared to 0.2604 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0014 points.

H1 Avg (Jan–Jun) 0.2591

H2 Avg (Jul–Dec) 0.2604

Volatility Range Comparison

Volatility

The most volatile month in 2021 was May, with a trading range of 0.0044 BAM (High: 0.2622 / Low: 0.2578). On the other end, January was the most stable month, with a tight range of 0.0016 BAM (High: 0.2593 / Low: 0.2577).

May Spread (Volatile) ±0.0044

January Spread (Stable) ±0.0016

Growth Streaks & Declines

Trends

Between March and August, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 5 straight months. Conversely, the sharpest month-over-month decline occurred between September and October, when the average rate fell by 0.0006 points.

Longest Streak 5 Mo.

Sharpest MoM Drop -0.0006

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (September 2021: 0.2608) against the same month in 2020 (average: 0.2591), the exchange rate shifted by +0.0016 (+0.63%).

2021 Avg (September) 0.2608

2020 Avg (September) 0.2591

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.2593	0.2577	0.2585
February	0.2601	0.2567	0.2584
March	0.2600	0.2562	0.2580
April	0.2602	0.2578	0.2588
May	0.2622	0.2578	0.2600
June	0.2617	0.2583	0.2605
July	0.2617	0.2592	0.2606
August	0.2619	0.2594	0.2609
September	0.2623	0.2593	0.2608
October	0.2619	0.2587	0.2602
November	0.2608	0.2585	0.2601
December	0.2617	0.2584	0.2601