YEARLY HIGH
3.7264 HRK
YEARLY LOW
3.4158 HRK
YEARLY AVERAGE
3.5443 HRK

2021 ANG to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the ANG to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on November 24, valuing the pair at 3.7264. Conversely, the yearly low was recorded on January 6, dropping to 3.4158.

This high-to-low spread represents a total annual volatility of 0.3106 HRK. From a start-to-finish perspective, comparing the January average rate of 3.4604 to the December average rate of 3.6913, the exchange rate registered a net change of 6.67% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 3.7264 was down 13.29% compared to the 2020 peak of 4.2974, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 18,632 HRK
2020 Average 18,616 HRK
Yearly Trough Low 17,079 HRK
Transaction Impact: A difference of 1,553.00 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

3.7153
3.4269
JanuMarcMayJulySeptNove

ANG 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 3.4911, compared to 3.5975 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.1064 points.

H1 Avg (Jan–Jun) 3.4911
H2 Avg (Jul–Dec) 3.5975

Volatility Range Comparison

Volatility

The most volatile month in 2021 was November, with a trading range of 0.1339 HRK (High: 3.7264 / Low: 3.5925). On the other end, December was the most stable month, with a tight range of 0.0444 HRK (High: 3.7114 / Low: 3.6669).

November Spread (Volatile) ±0.1339
December Spread (Stable) ±0.0444

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 0.0757 points.

Longest Streak 3 Mo.
Sharpest MoM Drop -0.0757

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (November 2021: 3.6592) against the same month in 2020 (average: 3.5570), the exchange rate shifted by +0.1022 (+2.87%).

2021 Avg (November) 3.6592
2020 Avg (November) 3.5570

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 3.4849 3.4158 3.4604
February 3.5268 3.4670 3.4882
March 3.5975 3.4933 3.5499
April 3.5926 3.4709 3.5266
May 3.4991 3.4183 3.4509
June 3.5225 3.4238 3.4705
July 3.5695 3.5150 3.5355
August 3.5763 3.5168 3.5485
September 3.6060 3.5116 3.5472
October 3.6312 3.5695 3.6033
November 3.7264 3.5925 3.6592
December 3.7114 3.6669 3.6913