YEARLY HIGH
1667.2811 GNF
YEARLY LOW
1390.3216 GNF
YEARLY AVERAGE
1547.2468 GNF

2021 HRK to GNF Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the HRK to GNF exchange rate experienced significant fluctuation. The market reached its absolute peak on January 5, valuing the pair at 1667.2811. Conversely, the yearly low was recorded on December 17, dropping to 1390.3216.

This high-to-low spread represents a total annual volatility of 276.9596 GNF. From a start-to-finish perspective, comparing the January average rate of 1642.3124 to the December average rate of 1414.7739, the exchange rate registered a net change of -13.85% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2021 high of 1667.2811 was up 2.24% compared to the 2020 peak of 1630.8244, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 8,336,406 GNF
2020 Average 7,289,634 GNF
Yearly Trough Low 6,951,608 GNF
Transaction Impact: A difference of 1,384,797.81 GNF purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

1665.0663
1392.0201
JanuMarcMayJulySeptNove

HRK to GNF 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 1598.5259, compared to 1495.9677 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 102.5582 points.

H1 Avg (Jan–Jun) 1598.5259
H2 Avg (Jul–Dec) 1495.9677

Volatility Range Comparison

Volatility

The most volatile month in 2021 was November, with a trading range of 70.3800 GNF (High: 1482.8218 / Low: 1412.4418). On the other end, August was the most stable month, with a tight range of 22.9261 GNF (High: 1547.7920 / Low: 1524.8658).

November Spread (Volatile) ±70.3800
August Spread (Stable) ±22.9261

Growth Streaks & Declines

Trends

No sustained consecutive month-over-month growth streak of 2+ months occurred in 2021. Conversely, the sharpest month-over-month decline occurred between October and November, when the average rate fell by 53.8254 points.

Longest Streak 1 Mo.
Sharpest MoM Drop -53.8254

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2021: 1642.3124) against the same month in 2020 (average: 1414.7931), the exchange rate shifted by +227.5193 (+16.08%).

2021 Avg (January) 1642.3124
2020 Avg (January) 1414.7931

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 1667.2811 1618.5715 1642.3124
February 1649.8320 1608.6763 1624.2940
March 1613.4501 1553.6170 1580.6383
April 1590.5842 1552.3935 1575.2420
May 1604.8940 1576.7127 1592.6873
June 1596.5633 1553.6053 1575.9813
July 1560.2219 1526.5363 1545.8590
August 1547.7920 1524.8658 1535.3973
September 1552.8590 1508.3302 1535.6127
October 1511.9910 1484.5917 1498.9944
November 1482.8218 1412.4418 1445.1691
December 1427.6505 1390.3216 1414.7739