2021 ZAR to HRK Historical Review

YEARLY HIGH

0.4594 HRK

YEARLY LOW

0.3996 HRK

YEARLY AVERAGE

0.4309 HRK

2021 ZAR to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the ZAR to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on June 6, valuing the pair at 0.4594. Conversely, the yearly low was recorded on January 7, dropping to 0.3996.

This high-to-low spread represents a total annual volatility of 0.0598 HRK. From a start-to-finish perspective, comparing the January average rate of 0.4111 to the December average rate of 0.4191, the exchange rate registered a net change of 1.92% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 0.4594 was down 3.06% compared to the 2020 peak of 0.4739, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

Comparing the value generated converting 50,000 ZAR based on timing:

Yearly Peak High 22,971 HRK

2020 Average 20,175 HRK

Yearly Trough Low 19,979 HRK

Transaction Impact: A difference of 2,992.00 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

0.4512

0.4075

JanuMarcMayJulySeptNove

ZAR 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 0.4312, compared to 0.4306 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0007 points.

H1 Avg (Jan–Jun) 0.4312

H2 Avg (Jul–Dec) 0.4306

Volatility Range Comparison

Volatility

The most volatile month in 2021 was November, with a trading range of 0.0261 HRK (High: 0.4349 / Low: 0.4088). On the other end, December was the most stable month, with a tight range of 0.0130 HRK (High: 0.4267 / Low: 0.4137).

November Spread (Volatile) ±0.0261

December Spread (Stable) ±0.0130

Growth Streaks & Declines

Trends

Between January and June, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 5 straight months. Conversely, the sharpest month-over-month decline occurred between October and November, when the average rate fell by 0.0115 points.

Longest Streak 5 Mo.

Sharpest MoM Drop -0.0115

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (June 2021: 0.4475) against the same month in 2020 (average: 0.3929), the exchange rate shifted by +0.0547 (+13.92%).

2021 Avg (June) 0.4475

2020 Avg (June) 0.3929

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.4217	0.3996	0.4111
February	0.4319	0.4149	0.4241
March	0.4367	0.4117	0.4252
April	0.4460	0.4330	0.4387
May	0.4480	0.4332	0.4407
June	0.4594	0.4389	0.4475
July	0.4450	0.4292	0.4374
August	0.4414	0.4184	0.4306
September	0.4476	0.4249	0.4369
October	0.4470	0.4253	0.4354
November	0.4349	0.4088	0.4240
December	0.4267	0.4137	0.4191