2021 HRK to LRD Historical Review

YEARLY HIGH

27.9802 LRD

YEARLY LOW

21.1954 LRD

YEARLY AVERAGE

26.1600 LRD

2021 HRK to LRD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the HRK to LRD exchange rate experienced significant fluctuation. The market reached its absolute peak on May 25, valuing the pair at 27.9802. Conversely, the yearly low was recorded on December 14, dropping to 21.1954.

This high-to-low spread represents a total annual volatility of 6.7848 LRD. From a start-to-finish perspective, comparing the January average rate of 27.0785 to the December average rate of 21.4305, the exchange rate registered a net change of -20.86% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2021 high of 27.9802 was down 11.77% compared to the 2020 peak of 31.7113, 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 139,901 LRD

2020 Average 144,959 LRD

Yearly Trough Low 105,977 LRD

Transaction Impact: A difference of 33,923.96 LRD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

28.3703

20.7996

JanuMarcMayJulySeptNove

HRK to LRD 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 27.4031, compared to 24.9170 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 2.4861 points.

H1 Avg (Jan–Jun) 27.4031

H2 Avg (Jul–Dec) 24.9170

Volatility Range Comparison

Volatility

The most volatile month in 2021 was October, with a trading range of 3.1751 LRD (High: 26.5187 / Low: 23.3436). On the other end, July was the most stable month, with a tight range of 0.3938 LRD (High: 27.1890 / Low: 26.7952).

October Spread (Volatile) ±3.1751

July Spread (Stable) ±0.3938

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 October and November, when the average rate fell by 3.1898 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -3.1898

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (May 2021: 27.7394) against the same month in 2020 (average: 28.5867), the exchange rate shifted by -0.8473 (-2.96%).

2021 Avg (May) 27.7394

2020 Avg (May) 28.5867

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	27.4414	26.5765	27.0785
February	27.8362	27.1351	27.5586
March	27.7220	26.8114	27.2477
April	27.6306	26.8618	27.2785
May	27.9802	27.4009	27.7394
June	27.8939	27.1031	27.5157
July	27.1890	26.7952	27.0454
August	27.1928	26.7504	26.9569
September	27.2635	26.4174	26.9362
October	26.5187	23.3436	25.1613
November	23.1317	21.2216	21.9715
December	21.9554	21.1954	21.4305