2021 MVR to HRK Historical Review

YEARLY HIGH

0.4362 HRK

YEARLY LOW

0.3972 HRK

YEARLY AVERAGE

0.4126 HRK

2021 MVR to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the MVR to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on November 24, valuing the pair at 0.4362. Conversely, the yearly low was recorded on May 31, dropping to 0.3972.

This high-to-low spread represents a total annual volatility of 0.0390 HRK. From a start-to-finish perspective, comparing the January average rate of 0.4034 to the December average rate of 0.4310, the exchange rate registered a net change of 6.83% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 0.4362 was down 6.00% compared to the 2020 peak of 0.4640, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 2,181 HRK

2020 Average 2,143 HRK

Yearly Trough Low 1,986 HRK

Transaction Impact: A difference of 194.99 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

0.4339

0.3988

JanuMarcMayJulySeptNove

MVR 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: Jan–Jun) was 0.4062, compared to 0.4190 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0127 points.

H1 Avg (Jan–Jun) 0.4062

H2 Avg (Jul–Dec) 0.4190

Volatility Range Comparison

Volatility

The most volatile month in 2021 was November, with a trading range of 0.0172 HRK (High: 0.4362 / Low: 0.4190). On the other end, August was the most stable month, with a tight range of 0.0059 HRK (High: 0.4150 / Low: 0.4091).

November Spread (Volatile) ±0.0172

August Spread (Stable) ±0.0059

Growth Streaks & Declines

Trends

Between May and December, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 7 straight months. Conversely, the sharpest month-over-month decline occurred between April and May, when the average rate fell by 0.0078 points.

Longest Streak 7 Mo.

Sharpest MoM Drop -0.0078

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (November 2021: 0.4270) against the same month in 2020 (average: 0.4145), the exchange rate shifted by +0.0125 (+3.02%).

2021 Avg (November) 0.4270

2020 Avg (November) 0.4145

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.4062	0.3976	0.4034
February	0.4109	0.4041	0.4065
March	0.4179	0.4073	0.4127
April	0.4166	0.4031	0.4096
May	0.4089	0.3972	0.4018
June	0.4119	0.3974	0.4034
July	0.4158	0.4087	0.4117
August	0.4150	0.4091	0.4122
September	0.4190	0.4080	0.4125
October	0.4232	0.4163	0.4194
November	0.4362	0.4190	0.4270
December	0.4345	0.4283	0.4310