2021 HRK to SGD Historical Review

YEARLY HIGH

0.2167 SGD

YEARLY LOW

0.2035 SGD

YEARLY AVERAGE

0.2111 SGD

2021 HRK to SGD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the HRK to SGD exchange rate experienced significant fluctuation. The market reached its absolute peak on May 20, valuing the pair at 0.2167. Conversely, the yearly low was recorded on December 30, dropping to 0.2035.

This high-to-low spread represents a total annual volatility of 0.0131 SGD. From a start-to-finish perspective, comparing the January average rate of 0.2134 to the December average rate of 0.2049, the exchange rate registered a net change of -3.98% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2021 high of 0.2167 was down 0.55% compared to the 2020 peak of 0.2179, 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 1,083 SGD

2020 Average 1,044 SGD

Yearly Trough Low 1,018 SGD

Transaction Impact: A difference of 65.75 SGD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

0.2156

0.2039

JanuMarcMayJulySeptNove

HRK to SGD 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 0.2127, compared to 0.2096 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0031 points.

H1 Avg (Jan–Jun) 0.2127

H2 Avg (Jul–Dec) 0.2096

Volatility Range Comparison

Volatility

The most volatile month in 2021 was May, with a trading range of 0.0048 SGD (High: 0.2167 / Low: 0.2119). On the other end, February was the most stable month, with a tight range of 0.0017 SGD (High: 0.2129 / Low: 0.2112).

May Spread (Volatile) ±0.0048

February Spread (Stable) ±0.0017

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 September and October, when the average rate fell by 0.0030 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0030

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (May 2021: 0.2146) against the same month in 2020 (average: 0.2043), the exchange rate shifted by +0.0103 (+5.02%).

2021 Avg (May) 0.2146

2020 Avg (May) 0.2043

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.2150	0.2123	0.2134
February	0.2129	0.2112	0.2120
March	0.2120	0.2083	0.2108
April	0.2128	0.2082	0.2110
May	0.2167	0.2119	0.2146
June	0.2152	0.2126	0.2141
July	0.2143	0.2124	0.2135
August	0.2146	0.2116	0.2127
September	0.2131	0.2098	0.2117
October	0.2104	0.2077	0.2086
November	0.2081	0.2037	0.2059
December	0.2057	0.2035	0.2049