2021 HRK to ISK Historical Review

YEARLY HIGH

20.7737 ISK

YEARLY LOW

19.4107 ISK

YEARLY AVERAGE

19.9490 ISK

2021 HRK to ISK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the HRK to ISK exchange rate experienced significant fluctuation. The market reached its absolute peak on January 27, valuing the pair at 20.7737. Conversely, the yearly low was recorded on December 4, dropping to 19.4107.

This high-to-low spread represents a total annual volatility of 1.3630 ISK. From a start-to-finish perspective, comparing the January average rate of 20.6857 to the December average rate of 19.5528, the exchange rate registered a net change of -5.48% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2021 high of 20.7737 was down 5.60% compared to the 2020 peak of 22.0071, 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 103,868 ISK

2020 Average 102,447 ISK

Yearly Trough Low 97,053 ISK

Transaction Impact: A difference of 6,814.95 ISK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

20.7990

19.4395

JanuMarcMayJulySeptNove

HRK to ISK 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 20.0925, compared to 19.8055 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.2870 points.

H1 Avg (Jan–Jun) 20.0925

H2 Avg (Jul–Dec) 19.8055

Volatility Range Comparison

Volatility

The most volatile month in 2021 was March, with a trading range of 0.6792 ISK (High: 20.2583 / Low: 19.5791). On the other end, June was the most stable month, with a tight range of 0.1794 ISK (High: 19.6741 / Low: 19.4947).

March Spread (Volatile) ±0.6792

June Spread (Stable) ±0.1794

Growth Streaks & Declines

Trends

Between June and September, 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 February and March, when the average rate fell by 0.4995 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.4995

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2021: 20.6857) against the same month in 2020 (average: 18.4181), the exchange rate shifted by +2.2676 (+12.31%).

2021 Avg (January) 20.6857

2020 Avg (January) 18.4181

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	20.7737	20.5230	20.6857
February	20.6275	20.2178	20.4853
March	20.2583	19.5791	19.9858
April	20.0787	19.5408	19.8982
May	20.1312	19.5413	19.9043
June	19.6741	19.4947	19.5960
July	19.8560	19.4726	19.5998
August	20.0304	19.5710	19.8063
September	20.3060	19.9691	20.1248
October	20.0445	19.7898	19.9314
November	20.0250	19.4769	19.8182
December	19.6448	19.4107	19.5528