2021 SZL to HRK Historical Review

YEARLY HIGH

0.4570 HRK

YEARLY LOW

0.4029 HRK

YEARLY AVERAGE

0.4313 HRK

2021 SZL to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the SZL to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on June 17, valuing the pair at 0.4570. Conversely, the yearly low was recorded on January 11, dropping to 0.4029.

This high-to-low spread represents a total annual volatility of 0.0542 HRK. From a start-to-finish perspective, comparing the January average rate of 0.4117 to the December average rate of 0.4191, the exchange rate registered a net change of 1.80% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 0.4570 was down 4.07% compared to the 2020 peak of 0.4764, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 2,285 HRK

2020 Average 2,019 HRK

Yearly Trough Low 2,014 HRK

Transaction Impact: A difference of 270.94 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

0.4535

0.4079

JanuMarcMayJulySeptNove

SZL 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 0.4315, compared to 0.4311 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0004 points.

H1 Avg (Jan–Jun) 0.4315

H2 Avg (Jul–Dec) 0.4311

Volatility Range Comparison

Volatility

The most volatile month in 2021 was September, with a trading range of 0.0233 HRK (High: 0.4499 / Low: 0.4266). On the other end, April was the most stable month, with a tight range of 0.0100 HRK (High: 0.4432 / Low: 0.4332).

September Spread (Volatile) ±0.0233

April Spread (Stable) ±0.0100

Growth Streaks & Declines

Trends

Between January and June, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 5 straight months. Conversely, the sharpest month-over-month decline occurred between June and July, when the average rate fell by 0.0116 points.

Longest Streak 5 Mo.

Sharpest MoM Drop -0.0116

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (June 2021: 0.4497) against the same month in 2020 (average: 0.3928), the exchange rate shifted by +0.0569 (+14.48%).

2021 Avg (June) 0.4497

2020 Avg (June) 0.3928

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.4231	0.4029	0.4117
February	0.4322	0.4165	0.4240
March	0.4343	0.4118	0.4252
April	0.4432	0.4332	0.4382
May	0.4475	0.4335	0.4403
June	0.4570	0.4394	0.4497
July	0.4459	0.4266	0.4380
August	0.4410	0.4187	0.4302
September	0.4499	0.4266	0.4380
October	0.4473	0.4256	0.4357
November	0.4360	0.4136	0.4255
December	0.4263	0.4110	0.4191