YEARLY HIGH
2.4855 HRK
YEARLY LOW
2.2672 HRK
YEARLY AVERAGE
2.3560 HRK

2021 XCD to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the XCD to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on November 24, valuing the pair at 2.4855. Conversely, the yearly low was recorded on January 6, dropping to 2.2672.

This high-to-low spread represents a total annual volatility of 0.2183 HRK. From a start-to-finish perspective, comparing the January average rate of 2.2995 to the December average rate of 2.4620, 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 2.4855 was down 6.00% compared to the 2020 peak of 2.6441, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 12,428 HRK
2020 Average 12,234 HRK
Yearly Trough Low 11,336 HRK
Transaction Impact: A difference of 1,091.75 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

2.4790
2.2749
JanuMarcMayJulySeptNove

XCD 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 2.3188, compared to 2.3931 in the second half (H2: JulтАУDec). This shows that the rate was stronger in the second half (JulтАУDec) by a margin of 0.0743 points.

H1 Avg (JanтАУJun) 2.3188
H2 Avg (JulтАУDec) 2.3931

Volatility Range Comparison

Volatility

The most volatile month in 2021 was November, with a trading range of 0.0900 HRK (High: 2.4855 / Low: 2.3955). On the other end, December was the most stable month, with a tight range of 0.0298 HRK (High: 2.4756 / Low: 2.4458).

November Spread (Volatile) ┬▒0.0900
December Spread (Stable) ┬▒0.0298

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 0.0499 points.

Longest Streak 3 Mo.
Sharpest MoM Drop -0.0499

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (November 2021: 2.4399) against the same month in 2020 (average: 2.3625), the exchange rate shifted by +0.0774 (+3.28%).

2021 Avg (November) 2.4399
2020 Avg (November) 2.3625

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

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Month High Low Average
January 2.3149 2.2672 2.2995
February 2.3413 2.3028 2.3171
March 2.3893 2.3208 2.3573
April 2.3831 2.3050 2.3418
May 2.3234 2.2700 2.2919
June 2.3400 2.2743 2.3053
July 2.3693 2.3347 2.3475
August 2.3740 2.3357 2.3568
September 2.3951 2.3324 2.3560
October 2.4116 2.3802 2.3966
November 2.4855 2.3955 2.4399
December 2.4756 2.4458 2.4620