2021 HRK to PEN Historical Review

YEARLY HIGH

0.6501 PEN

YEARLY LOW

0.5639 PEN

YEARLY AVERAGE

0.6093 PEN

2021 HRK to PEN Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the HRK to PEN exchange rate experienced significant fluctuation. The market reached its absolute peak on September 7, valuing the pair at 0.6501. Conversely, the yearly low was recorded on April 9, dropping to 0.5639.

This high-to-low spread represents a total annual volatility of 0.0863 PEN. From a start-to-finish perspective, comparing the January average rate of 0.5837 to the December average rate of 0.6078, the exchange rate registered a net change of 4.12% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 0.6501 was up 10.23% compared to the 2020 peak of 0.5898, 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 3,251 PEN

2020 Average 2,649 PEN

Yearly Trough Low 2,819 PEN

Transaction Impact: A difference of 431.32 PEN purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

0.6515

0.5756

JanuMarcMayJulySeptNove

HRK to PEN 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 0.5946, compared to 0.6240 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0293 points.

H1 Avg (Jan–Jun) 0.5946

H2 Avg (Jul–Dec) 0.6240

Volatility Range Comparison

Volatility

The most volatile month in 2021 was April, with a trading range of 0.0492 PEN (High: 0.6131 / Low: 0.5639). On the other end, March was the most stable month, with a tight range of 0.0066 PEN (High: 0.5857 / Low: 0.5791).

April Spread (Volatile) ±0.0492

March Spread (Stable) ±0.0066

Growth Streaks & Declines

Trends

Between March and June, 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 September and October, when the average rate fell by 0.0248 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0248

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (September 2021: 0.6452) against the same month in 2020 (average: 0.5556), the exchange rate shifted by +0.0896 (+16.13%).

2021 Avg (September) 0.6452

2020 Avg (September) 0.5556

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.5919	0.5772	0.5837
February	0.5868	0.5755	0.5822
March	0.5857	0.5791	0.5819
April	0.6131	0.5639	0.5832
May	0.6247	0.5871	0.6087
June	0.6367	0.6180	0.6281
July	0.6296	0.6127	0.6206
August	0.6445	0.6217	0.6403
September	0.6501	0.6387	0.6452
October	0.6404	0.6049	0.6204
November	0.6200	0.5980	0.6096
December	0.6150	0.5986	0.6078

2021 HRK నుండి PEN చారిత్రక సమీక్ష