YEARLY HIGH
3.3586 HRK
YEARLY LOW
3.0636 HRK
YEARLY AVERAGE
3.1836 HRK

2021 BBD to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the BBD to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on November 24, valuing the pair at 3.3586. Conversely, the yearly low was recorded on January 6, dropping to 3.0636.

This high-to-low spread represents a total annual volatility of 0.2950 HRK. From a start-to-finish perspective, comparing the January average rate of 3.1072 to the December average rate of 3.3269, the exchange rate registered a net change of 7.07% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 3.3586 was down 6.00% compared to the 2020 peak of 3.5728, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 16,793 HRK
2020 Average 16,532 HRK
Yearly Trough Low 15,318 HRK
Transaction Impact: A difference of 1,475.25 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

3.3499
3.0740
JanuMarcMayJulySeptNove

BBD 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: JanтАУJun) was 3.1334, compared to 3.2338 in the second half (H2: JulтАУDec). This shows that the rate was stronger in the second half (JulтАУDec) by a margin of 0.1004 points.

H1 Avg (JanтАУJun) 3.1334
H2 Avg (JulтАУDec) 3.2338

Volatility Range Comparison

Volatility

The most volatile month in 2021 was November, with a trading range of 0.1216 HRK (High: 3.3586 / Low: 3.2370). On the other end, December was the most stable month, with a tight range of 0.0403 HRK (High: 3.3453 / Low: 3.3050).

November Spread (Volatile) ┬▒0.1216
December Spread (Stable) ┬▒0.0403

Growth Streaks & Declines

Trends

Between May and August, 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 April and May, when the average rate fell by 0.0675 points.

Longest Streak 3 Mo.
Sharpest MoM Drop -0.0675

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (November 2021: 3.2970) against the same month in 2020 (average: 3.1924), the exchange rate shifted by +0.1046 (+3.28%).

2021 Avg (November) 3.2970
2020 Avg (November) 3.1924

рдорд╛рд╕рд┐рдХ рд╡рд┐рд╢реНрд▓реЗрд╖рдг

рдкреНрд░рддреНрдпреЗрдХ рдХреЕрд▓реЗрдВрдбрд░ рдорд╣рд┐рдиреНрдпрд╛рд╕рд╛рдареА рд╕рд╛рдВрдЦреНрдпрд┐рдХреАрдп рд╕рд╛рд░рд╛рдВрд╢.

Month High Low Average
January 3.1280 3.0636 3.1072
February 3.1638 3.1117 3.1311
March 3.2286 3.1361 3.1854
April 3.2202 3.1147 3.1644
May 3.1395 3.0673 3.0970
June 3.1620 3.0732 3.1152
July 3.2016 3.1548 3.1721
August 3.2079 3.1562 3.1847
September 3.2365 3.1517 3.1836
October 3.2587 3.2163 3.2385
November 3.3586 3.2370 3.2970
December 3.3453 3.3050 3.3269