YEARLY HIGH
3.3317 HRK
YEARLY LOW
3.0418 HRK
YEARLY AVERAGE
3.1590 HRK

2021 BZD to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the BZD to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on November 24, valuing the pair at 3.3317. Conversely, the yearly low was recorded on January 6, dropping to 3.0418.

This high-to-low spread represents a total annual volatility of 0.2899 HRK. From a start-to-finish perspective, comparing the January average rate of 3.0815 to the December average rate of 3.3004, 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 3.3317 was down 6.28% compared to the 2020 peak of 3.5549, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 16,659 HRK
2020 Average 16,411 HRK
Yearly Trough Low 15,209 HRK
Transaction Impact: A difference of 1,449.49 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

3.3231
3.0504
JanuMarcMayJulySeptNove

BZD 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 3.1090, compared to 3.2090 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.1000 points.

H1 Avg (Jan–Jun) 3.1090
H2 Avg (Jul–Dec) 3.2090

Volatility Range Comparison

Volatility

The most volatile month in 2021 was November, with a trading range of 0.1198 HRK (High: 3.3317 / Low: 3.2120). On the other end, December was the most stable month, with a tight range of 0.0398 HRK (High: 3.3184 / Low: 3.2785).

November Spread (Volatile) ±0.1198
December Spread (Stable) ±0.0398

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 0.0674 points.

Longest Streak 3 Mo.
Sharpest MoM Drop -0.0674

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (November 2021: 3.2725) against the same month in 2020 (average: 3.1681), the exchange rate shifted by +0.1044 (+3.29%).

2021 Avg (November) 3.2725
2020 Avg (November) 3.1681

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 3.1031 3.0418 3.0815
February 3.1406 3.0875 3.1063
March 3.2036 3.1107 3.1617
April 3.1998 3.0909 3.1405
May 3.1160 3.0441 3.0731
June 3.1368 3.0490 3.0906
July 3.1787 3.1301 3.1485
August 3.1848 3.1319 3.1599
September 3.2112 3.1272 3.1588
October 3.2335 3.1916 3.2138
November 3.3317 3.2120 3.2725
December 3.3184 3.2785 3.3004