2021 HRK to BOB Historical Review

YEARLY HIGH

1.1328 BOB

YEARLY LOW

1.0267 BOB

YEARLY AVERAGE

1.0848 BOB

2021 HRK to BOB Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the HRK to BOB exchange rate experienced significant fluctuation. The market reached its absolute peak on June 7, valuing the pair at 1.1328. Conversely, the yearly low was recorded on November 24, dropping to 1.0267.

This high-to-low spread represents a total annual volatility of 0.1061 BOB. From a start-to-finish perspective, comparing the January average rate of 1.1088 to the December average rate of 1.0370, the exchange rate registered a net change of -6.47% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2021 high of 1.1328 was up 0.90% compared to the 2020 peak of 1.1227, 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 5,664 BOB

2020 Average 5,227 BOB

Yearly Trough Low 5,133 BOB

Transaction Impact: A difference of 530.48 BOB purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

1.1218

1.0293

JanuMarcMayJulySeptNove

HRK to BOB 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 1.1020, compared to 1.0676 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0344 points.

H1 Avg (Jan–Jun) 1.1020

H2 Avg (Jul–Dec) 1.0676

Volatility Range Comparison

Volatility

The most volatile month in 2021 was June, with a trading range of 0.0407 BOB (High: 1.1328 / Low: 1.0921). On the other end, December was the most stable month, with a tight range of 0.0126 BOB (High: 1.0435 / Low: 1.0308).

June Spread (Volatile) ±0.0407

December Spread (Stable) ±0.0126

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 June and July, when the average rate fell by 0.0225 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0225

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (June 2021: 1.1105) against the same month in 2020 (average: 1.0272), the exchange rate shifted by +0.0833 (+8.11%).

2021 Avg (June) 1.1105

2020 Avg (June) 1.0272

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	1.1213	1.0995	1.1088
February	1.1095	1.0923	1.1032
March	1.1012	1.0701	1.0842
April	1.1094	1.0721	1.0911
May	1.1253	1.0982	1.1141
June	1.1328	1.0921	1.1105
July	1.0969	1.0761	1.0880
August	1.0938	1.0763	1.0838
September	1.0938	1.0667	1.0841
October	1.0733	1.0602	1.0659
November	1.0665	1.0267	1.0466
December	1.0435	1.0308	1.0370