2021 MDL to HRK Historical Review

YEARLY HIGH

0.3792 HRK

YEARLY LOW

0.3461 HRK

YEARLY AVERAGE

0.3609 HRK

2021 MDL to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the MDL to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on December 7, valuing the pair at 0.3792. Conversely, the yearly low was recorded on May 20, dropping to 0.3461.

This high-to-low spread represents a total annual volatility of 0.0331 HRK. From a start-to-finish perspective, comparing the January average rate of 0.3603 to the December average rate of 0.3752, the exchange rate registered a net change of 4.14% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 0.3792 was down 5.57% compared to the 2020 peak of 0.4016, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 1,896 HRK

2020 Average 1,918 HRK

Yearly Trough Low 1,731 HRK

Transaction Impact: A difference of 165.44 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

0.3777

0.3476

JanuMarcMayJulySeptNove

MDL 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 0.3557, compared to 0.3661 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0104 points.

H1 Avg (Jan–Jun) 0.3557

H2 Avg (Jul–Dec) 0.3661

Volatility Range Comparison

Volatility

The most volatile month in 2021 was August, with a trading range of 0.0124 HRK (High: 0.3657 / Low: 0.3533). On the other end, July was the most stable month, with a tight range of 0.0062 HRK (High: 0.3553 / Low: 0.3492).

August Spread (Volatile) ±0.0124

July Spread (Stable) ±0.0062

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 March and April, when the average rate fell by 0.0062 points.

Longest Streak 7 Mo.

Sharpest MoM Drop -0.0062

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2021: 0.3752) against the same month in 2020 (average: 0.3603), the exchange rate shifted by +0.0149 (+4.13%).

2021 Avg (December) 0.3752

2020 Avg (December) 0.3603

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.3637	0.3562	0.3603
February	0.3638	0.3559	0.3596
March	0.3651	0.3573	0.3599
April	0.3571	0.3499	0.3537
May	0.3539	0.3461	0.3501
June	0.3555	0.3481	0.3507
July	0.3553	0.3492	0.3527
August	0.3657	0.3533	0.3604
September	0.3690	0.3580	0.3619
October	0.3764	0.3673	0.3721
November	0.3785	0.3701	0.3745
December	0.3792	0.3720	0.3752