YEARLY HIGH
2.5027 ZAR
YEARLY LOW
2.1767 ZAR
YEARLY AVERAGE
2.3224 ZAR

2021 HRK to ZAR Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the HRK to ZAR exchange rate experienced significant fluctuation. The market reached its absolute peak on January 7, valuing the pair at 2.5027. Conversely, the yearly low was recorded on June 6, dropping to 2.1767.

This high-to-low spread represents a total annual volatility of 0.3260 ZAR. From a start-to-finish perspective, comparing the January average rate of 2.4327 to the December average rate of 2.3866, the exchange rate registered a net change of -1.90% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2021 high of 2.5027 was down 10.35% compared to the 2020 peak of 2.7915, 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 12,513 ZAR
2020 Average 12,455 ZAR
Yearly Trough Low 10,883 ZAR
Transaction Impact: A difference of 1,629.88 ZAR purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

2.4525
2.2151
JanuMarcMayJulySeptNove

HRK to ZAR 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 2.3212, compared to 2.3236 in the second half (H2: JulтАУDec). This shows that the rate was stronger in the second half (JulтАУDec) by a margin of 0.0024 points.

H1 Avg (JanтАУJun) 2.3212
H2 Avg (JulтАУDec) 2.3236

Volatility Range Comparison

Volatility

The most volatile month in 2021 was November, with a trading range of 0.1469 ZAR (High: 2.4462 / Low: 2.2993). On the other end, April was the most stable month, with a tight range of 0.0674 ZAR (High: 2.3095 / Low: 2.2421).

November Spread (Volatile) ┬▒0.1469
April Spread (Stable) ┬▒0.0674

Growth Streaks & Declines

Trends

Between September and December, 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 January and February, when the average rate fell by 0.0742 points.

Longest Streak 3 Mo.
Sharpest MoM Drop -0.0742

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2021: 2.4327) against the same month in 2020 (average: 2.1489), the exchange rate shifted by +0.2838 (+13.21%).

2021 Avg (January) 2.4327
2020 Avg (January) 2.1489

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 2.5027 2.3714 2.4327
February 2.4103 2.3151 2.3585
March 2.4290 2.2900 2.3525
April 2.3095 2.2421 2.2794
May 2.3085 2.2320 2.2693
June 2.2783 2.1767 2.2349
July 2.3301 2.2472 2.2866
August 2.3902 2.2653 2.3226
September 2.3534 2.2341 2.2894
October 2.3513 2.2373 2.2970
November 2.4462 2.2993 2.3593
December 2.4173 2.3438 2.3866