YEARLY HIGH
1.7907 HRK
YEARLY LOW
1.6332 HRK
YEARLY AVERAGE
1.6975 HRK

2021 SAR to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the SAR to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on November 24, valuing the pair at 1.7907. Conversely, the yearly low was recorded on January 6, dropping to 1.6332.

This high-to-low spread represents a total annual volatility of 0.1575 HRK. From a start-to-finish perspective, comparing the January average rate of 1.6566 to the December average rate of 1.7730, the exchange rate registered a net change of 7.02% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 1.7907 was down 5.75% compared to the 2020 peak of 1.9000, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 8,953 HRK
2020 Average 8,810 HRK
Yearly Trough Low 8,166 HRK
Transaction Impact: A difference of 787.42 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

1.7851
1.6394
JanuMarcMayJulySeptNove

SAR 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 1.6708, compared to 1.7242 in the second half (H2: JulтАУDec). This shows that the rate was stronger in the second half (JulтАУDec) by a margin of 0.0534 points.

H1 Avg (JanтАУJun) 1.6708
H2 Avg (JulтАУDec) 1.7242

Volatility Range Comparison

Volatility

The most volatile month in 2021 was November, with a trading range of 0.0648 HRK (High: 1.7907 / Low: 1.7258). On the other end, December was the most stable month, with a tight range of 0.0217 HRK (High: 1.7824 / Low: 1.7607).

November Spread (Volatile) ┬▒0.0648
December Spread (Stable) ┬▒0.0217

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 0.0359 points.

Longest Streak 3 Mo.
Sharpest MoM Drop -0.0359

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (November 2021: 1.7579) against the same month in 2020 (average: 1.7024), the exchange rate shifted by +0.0555 (+3.26%).

2021 Avg (November) 1.7579
2020 Avg (November) 1.7024

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 1.6677 1.6332 1.6566
February 1.6870 1.6592 1.6696
March 1.7218 1.6722 1.6985
April 1.7175 1.6610 1.6875
May 1.6742 1.6359 1.6516
June 1.6864 1.6389 1.6613
July 1.7072 1.6821 1.6914
August 1.7107 1.6831 1.6983
September 1.7258 1.6809 1.6977
October 1.7374 1.7149 1.7269
November 1.7907 1.7258 1.7579
December 1.7824 1.7607 1.7730