2021 SVC to HRK Historical Review

YEARLY HIGH

0.7675 HRK

YEARLY LOW

0.7008 HRK

YEARLY AVERAGE

0.7277 HRK

2021 SVC to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the SVC to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on November 24, valuing the pair at 0.7675. Conversely, the yearly low was recorded on January 6, dropping to 0.7008.

This high-to-low spread represents a total annual volatility of 0.0667 HRK. From a start-to-finish perspective, comparing the January average rate of 0.7099 to the December average rate of 0.7603, the exchange rate registered a net change of 7.10% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 0.7675 was down 6.01% compared to the 2020 peak of 0.8166, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 3,837 HRK

2020 Average 3,779 HRK

Yearly Trough Low 3,504 HRK

Transaction Impact: A difference of 333.68 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

0.7655

0.7027

JanuMarcMayJulySeptNove

SVC 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 0.7162, compared to 0.7392 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0230 points.

H1 Avg (Jan–Jun) 0.7162

H2 Avg (Jul–Dec) 0.7392

Volatility Range Comparison

Volatility

The most volatile month in 2021 was November, with a trading range of 0.0276 HRK (High: 0.7675 / Low: 0.7399). On the other end, December was the most stable month, with a tight range of 0.0092 HRK (High: 0.7645 / Low: 0.7553).

November Spread (Volatile) ±0.0276

December Spread (Stable) ±0.0092

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: 0.7536) against the same month in 2020 (average: 0.7297), the exchange rate shifted by +0.0239 (+3.27%).

2021 Avg (November) 0.7536

2020 Avg (November) 0.7297

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.7149	0.7008	0.7099
February	0.7234	0.7112	0.7156
March	0.7380	0.7166	0.7282
April	0.7371	0.7120	0.7234
May	0.7178	0.7012	0.7079
June	0.7226	0.7024	0.7119
July	0.7323	0.7210	0.7253
August	0.7336	0.7214	0.7279
September	0.7397	0.7204	0.7277
October	0.7449	0.7352	0.7403
November	0.7675	0.7399	0.7536
December	0.7645	0.7553	0.7603