2021 HRK to KMF Historical Review

YEARLY HIGH

359.7648 KMF

YEARLY LOW

64.3181 KMF

YEARLY AVERAGE

66.1839 KMF

2021 HRK to KMF Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the HRK to KMF exchange rate experienced significant fluctuation. The market reached its absolute peak on December 5, valuing the pair at 359.7648. Conversely, the yearly low was recorded on March 24, dropping to 64.3181.

This high-to-low spread represents a total annual volatility of 295.4467 KMF. From a start-to-finish perspective, comparing the January average rate of 65.0985 to the December average rate of 74.9792, the exchange rate registered a net change of 15.18% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 359.7648 was down 89.13% compared to the 2020 peak of 3310.1018, 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 1,798,824 KMF

2020 Average 371,059 KMF

Yearly Trough Low 321,590 KMF

Transaction Impact: A difference of 1,477,233.41 KMF purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

75.9806

63.9645

JanuMarcMayJulySeptNove

HRK to KMF 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 65.2158, compared to 67.1521 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 1.9363 points.

H1 Avg (Jan–Jun) 65.2158

H2 Avg (Jul–Dec) 67.1521

Volatility Range Comparison

Volatility

The most volatile month in 2021 was December, with a trading range of 294.7192 KMF (High: 359.7648 / Low: 65.0456). On the other end, July was the most stable month, with a tight range of 0.5065 KMF (High: 65.8801 / Low: 65.3736).

December Spread (Volatile) ±294.7192

July Spread (Stable) ±0.5065

Growth Streaks & Declines

Trends

Between March and July, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 4 straight months. Conversely, the sharpest month-over-month decline occurred between September and October, when the average rate fell by 0.3570 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.3570

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2021: 74.9792) against the same month in 2020 (average: 169.9714), the exchange rate shifted by -94.9922 (-55.89%).

2021 Avg (December) 74.9792

2020 Avg (December) 169.9714

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	65.3082	64.7686	65.0985
February	65.2392	64.5097	64.9858
March	65.3927	64.3181	64.9658
April	65.8191	64.7227	65.2385
May	65.9299	64.7227	65.4710
June	65.7654	64.7589	65.5352
July	65.8801	65.3736	65.6526
August	66.0674	64.8477	65.5180
September	66.4731	65.2258	65.8628
October	65.7020	64.9307	65.5059
November	65.6936	64.7321	65.3939
December	359.7648	65.0456	74.9792