2021 HRK to XAF Historical Review

YEARLY HIGH

87.7471 XAF

YEARLY LOW

86.1905 XAF

YEARLY AVERAGE

87.1211 XAF

2021 HRK to XAF Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the HRK to XAF exchange rate experienced significant fluctuation. The market reached its absolute peak on June 17, valuing the pair at 87.7471. Conversely, the yearly low was recorded on April 5, dropping to 86.1905.

This high-to-low spread represents a total annual volatility of 1.5566 XAF. From a start-to-finish perspective, comparing the January average rate of 86.7581 to the December average rate of 87.2015, the exchange rate registered a net change of 0.51% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 87.7471 was down 0.53% compared to the 2020 peak of 88.2152, 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 438,736 XAF

2020 Average 434,979 XAF

Yearly Trough Low 430,953 XAF

Transaction Impact: A difference of 7,783.05 XAF purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

87.6197

86.4363

JanuMarcMayJulySeptNove

HRK to XAF 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 86.8731, compared to 87.3690 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.4959 points.

H1 Avg (Jan–Jun) 86.8731

H2 Avg (Jul–Dec) 87.3690

Volatility Range Comparison

Volatility

The most volatile month in 2021 was January, with a trading range of 0.9699 XAF (High: 87.4761 / Low: 86.5061). On the other end, August was the most stable month, with a tight range of 0.1610 XAF (High: 87.5869 / Low: 87.4259).

January Spread (Volatile) ±0.9699

August Spread (Stable) ±0.1610

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 0.1922 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.1922

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (June 2021: 87.4879) against the same month in 2020 (average: 86.6635), the exchange rate shifted by +0.8244 (+0.95%).

2021 Avg (June) 87.4879

2020 Avg (June) 86.6635

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	87.4761	86.5061	86.7581
February	86.7978	86.4924	86.6126
March	86.6536	86.2843	86.5349
April	86.9157	86.1905	86.6534
May	87.4784	86.8774	87.1917
June	87.7471	87.3504	87.4879
July	87.6534	87.0238	87.4225
August	87.5869	87.4259	87.5029
September	87.7137	87.3244	87.5211
October	87.6540	87.1215	87.3289
November	87.4231	86.9030	87.2371
December	87.4329	86.8447	87.2015