2021 ILS to HRK Historical Review

YEARLY HIGH

2.1658 HRK

YEARLY LOW

1.8829 HRK

YEARLY AVERAGE

1.9713 HRK

2021 ILS to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the ILS to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on November 22, valuing the pair at 2.1658. Conversely, the yearly low was recorded on May 11, dropping to 1.8829.

This high-to-low spread represents a total annual volatility of 0.2829 HRK. From a start-to-finish perspective, comparing the January average rate of 1.9231 to the December average rate of 2.1237, the exchange rate registered a net change of 10.43% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 2.1658 was up 7.41% compared to the 2020 peak of 2.0165, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

Comparing the value generated converting 5,000 ILS based on timing:

Yearly Peak High 10,829 HRK

2020 Average 9,611 HRK

Yearly Trough Low 9,415 HRK

Transaction Impact: A difference of 1,414.38 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

2.1460

1.8782

JanuMarcMayJulySeptNove

ILS to HRK 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 1.9169, compared to 2.0257 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.1088 points.

H1 Avg (Jan–Jun) 1.9169

H2 Avg (Jul–Dec) 2.0257

Volatility Range Comparison

Volatility

The most volatile month in 2021 was November, with a trading range of 0.0957 HRK (High: 2.1658 / Low: 2.0702). On the other end, August was the most stable month, with a tight range of 0.0285 HRK (High: 1.9845 / Low: 1.9560).

November Spread (Volatile) ±0.0957

August Spread (Stable) ±0.0285

Growth Streaks & Declines

Trends

Between May and December, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 7 straight months. Conversely, the sharpest month-over-month decline occurred between April and May, when the average rate fell by 0.0289 points.

Longest Streak 7 Mo.

Sharpest MoM Drop -0.0289

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (November 2021: 2.1125) against the same month in 2020 (average: 1.9008), the exchange rate shifted by +0.2117 (+11.14%).

2021 Avg (November) 2.1125

2020 Avg (November) 1.9008

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	1.9918	1.8996	1.9231
February	1.9332	1.8925	1.9126
March	1.9442	1.9017	1.9208
April	1.9453	1.9161	1.9294
May	1.9361	1.8829	1.9005
June	1.9392	1.8914	1.9148
July	1.9587	1.9231	1.9392
August	1.9845	1.9560	1.9754
September	2.0082	1.9676	1.9864
October	2.0548	2.0016	2.0170
November	2.1658	2.0702	2.1125
December	2.1496	2.0968	2.1237