2021 PLN to HRK Historical Review

YEARLY HIGH

1.6920 HRK

YEARLY LOW

1.5970 HRK

YEARLY AVERAGE

1.6497 HRK

2021 PLN to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the PLN to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on February 2, valuing the pair at 1.6920. Conversely, the yearly low was recorded on November 22, dropping to 1.5970.

This high-to-low spread represents a total annual volatility of 0.0950 HRK. From a start-to-finish perspective, comparing the January average rate of 1.6672 to the December average rate of 1.6300, the exchange rate registered a net change of -2.23% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2021 high of 1.6920 was down 4.15% compared to the 2020 peak of 1.7652, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

Comparing the value generated converting 20,000 PLN based on timing:

Yearly Peak High 33,841 HRK

2020 Average 33,943 HRK

Yearly Trough Low 31,940 HRK

Transaction Impact: A difference of 1,900.74 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

1.6912

1.6102

JanuMarcMayJulySeptNove

PLN 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 1.6644, compared to 1.6350 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0294 points.

H1 Avg (Jan–Jun) 1.6644

H2 Avg (Jul–Dec) 1.6350

Volatility Range Comparison

Volatility

The most volatile month in 2021 was March, with a trading range of 0.0483 HRK (High: 1.6715 / Low: 1.6232). On the other end, February was the most stable month, with a tight range of 0.0156 HRK (High: 1.6920 / Low: 1.6765).

March Spread (Volatile) ±0.0483

February Spread (Stable) ±0.0156

Growth Streaks & Declines

Trends

Between March and June, 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 February and March, when the average rate fell by 0.0372 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0372

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (February 2021: 1.6845) against the same month in 2020 (average: 1.7416), the exchange rate shifted by -0.0572 (-3.28%).

2021 Avg (February) 1.6845

2020 Avg (February) 1.7416

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	1.6788	1.6462	1.6672
February	1.6920	1.6765	1.6845
March	1.6715	1.6232	1.6473
April	1.6734	1.6435	1.6595
May	1.6769	1.6464	1.6631
June	1.6839	1.6401	1.6650
July	1.6635	1.6322	1.6454
August	1.6559	1.6346	1.6410
September	1.6647	1.6181	1.6408
October	1.6505	1.6234	1.6357
November	1.6406	1.5970	1.6170
December	1.6427	1.6220	1.6300