YEARLY HIGH
69.8113 KZT
YEARLY LOW
64.4656 KZT
YEARLY AVERAGE
67.0298 KZT

2021 HRK to KZT Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the HRK to KZT exchange rate experienced significant fluctuation. The market reached its absolute peak on May 31, valuing the pair at 69.8113. Conversely, the yearly low was recorded on November 25, dropping to 64.4656.

This high-to-low spread represents a total annual volatility of 5.3457 KZT. From a start-to-finish perspective, comparing the January average rate of 67.7320 to the December average rate of 65.6351, the exchange rate registered a net change of -3.10% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2021 high of 69.8113 was up 1.65% compared to the 2020 peak of 68.6814, 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 349,057 KZT
2020 Average 313,694 KZT
Yearly Trough Low 322,328 KZT
Transaction Impact: A difference of 26,728.72 KZT purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

69.4655
65.1503
JanuMarcMayJulySeptNove

HRK to KZT 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 67.7265, compared to 66.3330 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 1.3935 points.

H1 Avg (Jan–Jun) 67.7265
H2 Avg (Jul–Dec) 66.3330

Volatility Range Comparison

Volatility

The most volatile month in 2021 was April, with a trading range of 2.6561 KZT (High: 68.8909 / Low: 66.2348). On the other end, December was the most stable month, with a tight range of 0.6835 KZT (High: 65.9742 / Low: 65.2907).

April Spread (Volatile) ±2.6561
December Spread (Stable) ±0.6835

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 1.3263 points.

Longest Streak 2 Mo.
Sharpest MoM Drop -1.3263

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (May 2021: 69.1059) against the same month in 2020 (average: 60.3292), the exchange rate shifted by +8.7766 (+14.55%).

2021 Avg (May) 69.1059
2020 Avg (May) 60.3292

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 68.6531 67.0616 67.7320
February 67.5742 66.3092 66.8964
March 66.9725 65.5516 66.0406
April 68.8909 66.2348 67.9637
May 69.8113 67.9916 69.1059
June 69.7733 67.5727 68.6205
July 68.0962 66.4925 67.2941
August 67.4097 66.4601 66.8872
September 67.5311 65.8452 66.8889
October 66.5056 65.3210 65.7828
November 66.3075 64.4656 65.5099
December 65.9742 65.2907 65.6351