2021 HRK to DJF Historical Review

YEARLY HIGH

29.0401 DJF

YEARLY LOW

26.5067 DJF

YEARLY AVERAGE

27.9742 DJF

2021 HRK to DJF Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the HRK to DJF exchange rate experienced significant fluctuation. The market reached its absolute peak on January 6, valuing the pair at 29.0401. Conversely, the yearly low was recorded on November 24, dropping to 26.5067.

This high-to-low spread represents a total annual volatility of 2.5335 DJF. From a start-to-finish perspective, comparing the January average rate of 28.6712 to the December average rate of 26.7602, the exchange rate registered a net change of -6.67% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2021 high of 29.0401 was up 0.12% compared to the 2020 peak of 29.0052, 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 145,201 DJF

2020 Average 134,816 DJF

Yearly Trough Low 132,533 DJF

Transaction Impact: A difference of 12,667.28 DJF purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

28.9382

26.5622

JanuMarcMayJulySeptNove

HRK to DJF 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 28.4140, compared to 27.5344 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.8796 points.

H1 Avg (Jan–Jun) 28.4140

H2 Avg (Jul–Dec) 27.5344

Volatility Range Comparison

Volatility

The most volatile month in 2021 was November, with a trading range of 0.9906 DJF (High: 27.4973 / Low: 26.5067). On the other end, December was the most stable month, with a tight range of 0.2841 DJF (High: 26.9020 / Low: 26.6179).

November Spread (Volatile) ±0.9906

December Spread (Stable) ±0.2841

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 0.5294 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.5294

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2021: 28.6712) against the same month in 2020 (average: 26.5550), the exchange rate shifted by +2.1162 (+7.97%).

2021 Avg (January) 28.6712

2020 Avg (January) 26.5550

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	29.0401	28.4607	28.6712
February	28.6062	28.1226	28.4314
March	28.3916	27.5684	27.9420
April	28.5735	27.6132	28.1208
May	29.0097	28.3567	28.7402
June	28.9670	28.1507	28.5786
July	28.2071	27.7841	28.0492
August	28.2004	27.7318	27.9534
September	28.2417	27.5023	27.9601
October	27.6722	27.3136	27.4821
November	27.4973	26.5067	27.0018
December	26.9020	26.6179	26.7602