2021 HRK to GYD Historical Review

YEARLY HIGH

34.1325 GYD

YEARLY LOW

31.1521 GYD

YEARLY AVERAGE

32.8680 GYD

2021 HRK to GYD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the HRK to GYD exchange rate experienced significant fluctuation. The market reached its absolute peak on January 6, valuing the pair at 34.1325. Conversely, the yearly low was recorded on November 24, dropping to 31.1521.

This high-to-low spread represents a total annual volatility of 2.9804 GYD. From a start-to-finish perspective, comparing the January average rate of 33.6696 to the December average rate of 31.4483, the exchange rate registered a net change of -6.60% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2021 high of 34.1325 was up 0.13% compared to the 2020 peak of 34.0867, 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 170,662 GYD

2020 Average 158,324 GYD

Yearly Trough Low 155,761 GYD

Transaction Impact: A difference of 14,901.75 GYD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

33.9918

31.2171

JanuMarcMayJulySeptNove

HRK to GYD 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 33.3840, compared to 32.3521 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 1.0319 points.

H1 Avg (Jan–Jun) 33.3840

H2 Avg (Jul–Dec) 32.3521

Volatility Range Comparison

Volatility

The most volatile month in 2021 was November, with a trading range of 1.1798 GYD (High: 32.3320 / Low: 31.1521). On the other end, December was the most stable month, with a tight range of 0.3783 GYD (High: 31.6431 / Low: 31.2648).

November Spread (Volatile) ±1.1798

December Spread (Stable) ±0.3783

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 0.6170 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.6170

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2021: 33.6696) against the same month in 2020 (average: 31.1561), the exchange rate shifted by +2.5135 (+8.07%).

2021 Avg (January) 33.6696

2020 Avg (January) 31.1561

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	34.1325	33.4471	33.6696
February	33.5868	33.0481	33.4052
March	33.3650	32.3987	32.8365
April	33.5797	32.4370	33.0611
May	34.0968	33.3094	33.7606
June	34.0239	33.0889	33.5711
July	33.1555	32.6227	32.9541
August	33.1154	32.5904	32.8335
September	33.1906	32.3009	32.8466
October	32.5216	32.0987	32.2921
November	32.3320	31.1521	31.7378
December	31.6431	31.2648	31.4483