2021 NPR to HRK Historical Review

YEARLY HIGH

0.0565 HRK

YEARLY LOW

0.0522 HRK

YEARLY AVERAGE

0.0539 HRK

2021 NPR to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the NPR to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on November 24, valuing the pair at 0.0565. Conversely, the yearly low was recorded on April 23, dropping to 0.0522.

This high-to-low spread represents a total annual volatility of 0.0042 HRK. From a start-to-finish perspective, comparing the January average rate of 0.0531 to the December average rate of 0.0552, the exchange rate registered a net change of 3.92% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 0.0565 was down 6.40% compared to the 2020 peak of 0.0603, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 282 HRK

2020 Average 279 HRK

Yearly Trough Low 261 HRK

Transaction Impact: A difference of 21.20 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

0.0556

0.0526

JanuMarcMayJulySeptNove

NPR 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 0.0535, compared to 0.0543 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0008 points.

H1 Avg (Jan–Jun) 0.0535

H2 Avg (Jul–Dec) 0.0543

Volatility Range Comparison

Volatility

The most volatile month in 2021 was April, with a trading range of 0.0027 HRK (High: 0.0549 / Low: 0.0522). On the other end, May was the most stable month, with a tight range of 0.0007 HRK (High: 0.0532 / Low: 0.0525).

April Spread (Volatile) ±0.0027

May Spread (Stable) ±0.0007

Growth Streaks & Declines

Trends

Between May and September, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 4 straight months. Conversely, the sharpest month-over-month decline occurred between March and April, when the average rate fell by 0.0015 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.0015

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (November 2021: 0.0554) against the same month in 2020 (average: 0.0537), the exchange rate shifted by +0.0016 (+3.01%).

2021 Avg (November) 0.0554

2020 Avg (November) 0.0537

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0537	0.0524	0.0531
February	0.0543	0.0535	0.0539
March	0.0555	0.0535	0.0548
April	0.0549	0.0522	0.0532
May	0.0532	0.0525	0.0529
June	0.0535	0.0525	0.0529
July	0.0538	0.0529	0.0533
August	0.0544	0.0531	0.0537
September	0.0545	0.0537	0.0541
October	0.0546	0.0537	0.0541
November	0.0565	0.0542	0.0554
December	0.0558	0.0545	0.0552