YEARLY HIGH
0.1907 HRK
YEARLY LOW
0.1744 HRK
YEARLY AVERAGE
0.1814 HRK

2021 NIO to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the NIO to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on November 24, valuing the pair at 0.1907. Conversely, the yearly low was recorded on May 29, dropping to 0.1744.

This high-to-low spread represents a total annual volatility of 0.0163 HRK. From a start-to-finish perspective, comparing the January average rate of 0.1778 to the December average rate of 0.1883, the exchange rate registered a net change of 5.92% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 0.1907 was down 9.60% compared to the 2020 peak of 0.2109, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 953 HRK
2020 Average 962 HRK
Yearly Trough Low 872 HRK
Transaction Impact: A difference of 81.31 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

0.1895
0.1753
JanuMarcMayJulySeptNove

NIO 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 0.1790, compared to 0.1839 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0049 points.

H1 Avg (Jan–Jun) 0.1790
H2 Avg (Jul–Dec) 0.1839

Volatility Range Comparison

Volatility

The most volatile month in 2021 was April, with a trading range of 0.0069 HRK (High: 0.1847 / Low: 0.1778). On the other end, October was the most stable month, with a tight range of 0.0026 HRK (High: 0.1852 / Low: 0.1827).

April Spread (Volatile) ±0.0069
October Spread (Stable) ±0.0026

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 0.0044 points.

Longest Streak 3 Mo.
Sharpest MoM Drop -0.0044

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (November 2021: 0.1872) against the same month in 2020 (average: 0.1831), the exchange rate shifted by +0.0041 (+2.25%).

2021 Avg (November) 0.1872
2020 Avg (November) 0.1831

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 0.1795 0.1757 0.1778
February 0.1812 0.1780 0.1792
March 0.1846 0.1793 0.1820
April 0.1847 0.1778 0.1809
May 0.1792 0.1744 0.1765
June 0.1809 0.1745 0.1775
July 0.1829 0.1794 0.1811
August 0.1828 0.1798 0.1813
September 0.1841 0.1795 0.1812
October 0.1852 0.1827 0.1840
November 0.1907 0.1838 0.1872
December 0.1896 0.1866 0.1883