2021 XAF to HRK Historical Review

YEARLY HIGH

0.0116 HRK

YEARLY LOW

0.0114 HRK

YEARLY AVERAGE

0.0115 HRK

2021 XAF to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the XAF to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on April 5, valuing the pair at 0.0116. Conversely, the yearly low was recorded on June 17, dropping to 0.0114.

This high-to-low spread represents a total annual volatility of 0.0002 HRK. From a start-to-finish perspective, comparing the January average rate of 0.0115 to the December average rate of 0.0115, the exchange rate registered a net change of -0.51% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2021 high of 0.0116 was down 0.86% compared to the 2020 peak of 0.0117, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 58 HRK

2020 Average 57 HRK

Yearly Trough Low 57 HRK

Transaction Impact: A difference of 1.03 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

0.0116

0.0114

JanuMarcMayJulySeptNove

XAF 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 0.0115, compared to 0.0114 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0001 points.

H1 Avg (Jan–Jun) 0.0115

H2 Avg (Jul–Dec) 0.0114

Volatility Range Comparison

Volatility

The most volatile month in 2021 was January, with a trading range of 0.0001 HRK (High: 0.0116 / Low: 0.0114). On the other end, August was the most stable month, with a tight range of 0.0000 HRK (High: 0.0114 / Low: 0.0114).

January Spread (Volatile) ±0.0001

August Spread (Stable) ±0.0000

Growth Streaks & Declines

Trends

Between September and December, 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 0.0001 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0001

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (April 2021: 0.0115) against the same month in 2020 (average: 0.0116), the exchange rate shifted by -0.0000 (-0.30%).

2021 Avg (April) 0.0115

2020 Avg (April) 0.0116

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0116	0.0114	0.0115
February	0.0116	0.0115	0.0115
March	0.0116	0.0115	0.0116
April	0.0116	0.0115	0.0115
May	0.0115	0.0114	0.0115
June	0.0114	0.0114	0.0114
July	0.0115	0.0114	0.0114
August	0.0114	0.0114	0.0114
September	0.0115	0.0114	0.0114
October	0.0115	0.0114	0.0115
November	0.0115	0.0114	0.0115
December	0.0115	0.0114	0.0115