2021 HRK to NZD Historical Review

YEARLY HIGH

0.2286 NZD

YEARLY LOW

0.2147 NZD

YEARLY AVERAGE

0.2222 NZD

2021 HRK to NZD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the HRK to NZD exchange rate experienced significant fluctuation. The market reached its absolute peak on August 19, valuing the pair at 0.2286. Conversely, the yearly low was recorded on November 1, dropping to 0.2147.

This high-to-low spread represents a total annual volatility of 0.0139 NZD. From a start-to-finish perspective, comparing the January average rate of 0.2240 to the December average rate of 0.2215, the exchange rate registered a net change of -1.10% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2021 high of 0.2286 was down 9.29% compared to the 2020 peak of 0.2520, 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 1,143 NZD

2020 Average 1,165 NZD

Yearly Trough Low 1,073 NZD

Transaction Impact: A difference of 69.57 NZD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

0.2271

0.2155

JanuMarcMayJulySeptNove

HRK to NZD 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 0.2227, compared to 0.2217 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0010 points.

H1 Avg (Jan–Jun) 0.2227

H2 Avg (Jul–Dec) 0.2217

Volatility Range Comparison

Volatility

The most volatile month in 2021 was October, with a trading range of 0.0080 NZD (High: 0.2228 / Low: 0.2148). On the other end, December was the most stable month, with a tight range of 0.0031 NZD (High: 0.2236 / Low: 0.2204).

October Spread (Volatile) ±0.0080

December Spread (Stable) ±0.0031

Growth Streaks & Declines

Trends

Between March and June, 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 September and October, when the average rate fell by 0.0037 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0037

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (August 2021: 0.2251) against the same month in 2020 (average: 0.2386), the exchange rate shifted by -0.0135 (-5.67%).

2021 Avg (August) 0.2251

2020 Avg (August) 0.2386

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.2285	0.2222	0.2240
February	0.2223	0.2157	0.2204
March	0.2238	0.2180	0.2201
April	0.2239	0.2197	0.2219
May	0.2265	0.2208	0.2235
June	0.2281	0.2243	0.2262
July	0.2275	0.2237	0.2256
August	0.2286	0.2225	0.2251
September	0.2251	0.2214	0.2225
October	0.2228	0.2148	0.2188
November	0.2206	0.2147	0.2165
December	0.2236	0.2204	0.2215