2021 HRK to XDR Historical Review

YEARLY HIGH

0.1129 XDR

YEARLY LOW

0.1063 XDR

YEARLY AVERAGE

0.1103 XDR

2021 HRK to XDR Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the HRK to XDR exchange rate experienced significant fluctuation. The market reached its absolute peak on May 24, valuing the pair at 0.1129. Conversely, the yearly low was recorded on November 24, dropping to 0.1063.

This high-to-low spread represents a total annual volatility of 0.0067 XDR. From a start-to-finish perspective, comparing the January average rate of 0.1116 to the December average rate of 0.1072, the exchange rate registered a net change of -3.94% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2021 high of 0.1129 was down 0.17% compared to the 2020 peak of 0.1131, 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 565 XDR

2020 Average 543 XDR

Yearly Trough Low 531 XDR

Transaction Impact: A difference of 33.37 XDR purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

0.1126

0.1067

JanuMarcMayJulySeptNove

HRK to XDR 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 0.1112, compared to 0.1094 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0018 points.

H1 Avg (Jan–Jun) 0.1112

H2 Avg (Jul–Dec) 0.1094

Volatility Range Comparison

Volatility

The most volatile month in 2021 was November, with a trading range of 0.0033 XDR (High: 0.1096 / Low: 0.1063). On the other end, August was the most stable month, with a tight range of 0.0012 XDR (High: 0.1110 / Low: 0.1099).

November Spread (Volatile) ±0.0033

August Spread (Stable) ±0.0012

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 0.0013 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0013

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (May 2021: 0.1121) against the same month in 2020 (average: 0.1056), the exchange rate shifted by +0.0065 (+6.18%).

2021 Avg (May) 0.1121

2020 Avg (May) 0.1056

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.1128	0.1110	0.1116
February	0.1116	0.1101	0.1109
March	0.1110	0.1092	0.1099
April	0.1118	0.1094	0.1106
May	0.1129	0.1108	0.1121
June	0.1128	0.1102	0.1118
July	0.1113	0.1099	0.1107
August	0.1110	0.1099	0.1105
September	0.1117	0.1093	0.1106
October	0.1100	0.1086	0.1093
November	0.1096	0.1063	0.1080
December	0.1079	0.1066	0.1072