2021 SBD to HRK Historical Review

YEARLY HIGH

0.8336 HRK

YEARLY LOW

0.7627 HRK

YEARLY AVERAGE

0.7936 HRK

2021 SBD to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the SBD to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on November 24, valuing the pair at 0.8336. Conversely, the yearly low was recorded on January 6, dropping to 0.7627.

This high-to-low spread represents a total annual volatility of 0.0709 HRK. From a start-to-finish perspective, comparing the January average rate of 0.7764 to the December average rate of 0.8226, the exchange rate registered a net change of 5.95% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 0.8336 was down 3.63% compared to the 2020 peak of 0.8650, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 4,168 HRK

2020 Average 4,016 HRK

Yearly Trough Low 3,814 HRK

Transaction Impact: A difference of 354.41 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

0.8272

0.7718

JanuMarcMayJulySeptNove

SBD 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 0.7844, compared to 0.8029 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0185 points.

H1 Avg (Jan–Jun) 0.7844

H2 Avg (Jul–Dec) 0.8029

Volatility Range Comparison

Volatility

The most volatile month in 2021 was March, with a trading range of 0.0374 HRK (High: 0.8091 / Low: 0.7717). On the other end, October was the most stable month, with a tight range of 0.0089 HRK (High: 0.8085 / Low: 0.7996).

March Spread (Volatile) ±0.0374

October Spread (Stable) ±0.0089

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 0.0155 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0155

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (November 2021: 0.8199) against the same month in 2020 (average: 0.7911), the exchange rate shifted by +0.0289 (+3.65%).

2021 Avg (November) 0.8199

2020 Avg (November) 0.7911

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.7843	0.7627	0.7764
February	0.7882	0.7775	0.7824
March	0.8091	0.7717	0.7987
April	0.8063	0.7815	0.7927
May	0.7888	0.7701	0.7772
June	0.7908	0.7699	0.7791
July	0.7956	0.7833	0.7891
August	0.7968	0.7837	0.7909
September	0.8030	0.7819	0.7902
October	0.8085	0.7996	0.8045
November	0.8336	0.8067	0.8199
December	0.8268	0.8167	0.8226