YEARLY HIGH
0.2169 BND
YEARLY LOW
0.2036 BND
YEARLY AVERAGE
0.2111 BND

2021 HRK to BND Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the HRK to BND exchange rate experienced significant fluctuation. The market reached its absolute peak on May 20, valuing the pair at 0.2169. Conversely, the yearly low was recorded on November 24, dropping to 0.2036.

This high-to-low spread represents a total annual volatility of 0.0133 BND. From a start-to-finish perspective, comparing the January average rate of 0.2135 to the December average rate of 0.2049, the exchange rate registered a net change of -4.03% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2021 high of 0.2169 was down 0.65% compared to the 2020 peak of 0.2183, 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 1,084 BND
2020 Average 1,044 BND
Yearly Trough Low 1,018 BND
Transaction Impact: A difference of 66.65 BND purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

0.2156
0.2039
JanuMarcMayJulySeptNove

HRK to BND 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 0.2126, compared to 0.2095 in the second half (H2: JulтАУDec). This shows that the rate was stronger in the first half (JanтАУJun) by a margin of 0.0031 points.

H1 Avg (JanтАУJun) 0.2126
H2 Avg (JulтАУDec) 0.2095

Volatility Range Comparison

Volatility

The most volatile month in 2021 was May, with a trading range of 0.0054 BND (High: 0.2169 / Low: 0.2115). On the other end, December was the most stable month, with a tight range of 0.0021 BND (High: 0.2058 / Low: 0.2037).

May Spread (Volatile) ┬▒0.0054
December Spread (Stable) ┬▒0.0021

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 September and October, when the average rate fell by 0.0030 points.

Longest Streak 2 Mo.
Sharpest MoM Drop -0.0030

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (May 2021: 0.2147) against the same month in 2020 (average: 0.2041), the exchange rate shifted by +0.0105 (+5.15%).

2021 Avg (May) 0.2147
2020 Avg (May) 0.2041

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 0.2149 0.2124 0.2135
February 0.2132 0.2099 0.2120
March 0.2130 0.2082 0.2107
April 0.2129 0.2088 0.2110
May 0.2169 0.2115 0.2147
June 0.2154 0.2121 0.2140
July 0.2145 0.2122 0.2134
August 0.2143 0.2117 0.2127
September 0.2130 0.2098 0.2116
October 0.2103 0.2074 0.2086
November 0.2083 0.2036 0.2059
December 0.2058 0.2037 0.2049