YEARLY HIGH
3.8989 HRK
YEARLY LOW
3.7601 HRK
YEARLY AVERAGE
3.8145 HRK

2017 BAM to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2017

During 2017, the BAM to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on October 26, valuing the pair at 3.8989. Conversely, the yearly low was recorded on March 15, dropping to 3.7601.

This high-to-low spread represents a total annual volatility of 0.1388 HRK. From a start-to-finish perspective, comparing the January average rate of 3.8490 to the December average rate of 3.8506, the exchange rate registered a net change of 0.04% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2017 high of 3.8989 was down 0.62% compared to the 2016 peak of 3.9233, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 19,495 HRK
2016 Average 19,247 HRK
Yearly Trough Low 18,801 HRK
Transaction Impact: A difference of 693.99 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2017.

3.8646
3.7769
JanuMarcMayJulySeptNove

BAM 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 3.8069, compared to 3.8222 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0153 points.

H1 Avg (Jan–Jun) 3.8069
H2 Avg (Jul–Dec) 3.8222

Volatility Range Comparison

Volatility

The most volatile month in 2017 was September, with a trading range of 0.0819 HRK (High: 3.8670 / Low: 3.7851). On the other end, November was the most stable month, with a tight range of 0.0284 HRK (High: 3.8691 / Low: 3.8407).

September Spread (Volatile) ±0.0819
November Spread (Stable) ±0.0284

Growth Streaks & Declines

Trends

Between August and November, 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 January and February, when the average rate fell by 0.0412 points.

Longest Streak 3 Mo.
Sharpest MoM Drop -0.0412

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (October 2017: 3.8398) against the same month in 2016 (average: 3.8334), the exchange rate shifted by +0.0064 (+0.17%).

2017 Avg (October) 3.8398
2016 Avg (October) 3.8334

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 3.8737 3.8033 3.8490
February 3.8250 3.7907 3.8077
March 3.8272 3.7601 3.7930
April 3.8298 3.7813 3.8073
May 3.8170 3.7767 3.7976
June 3.8059 3.7631 3.7865
July 3.7967 3.7623 3.7860
August 3.7949 3.7603 3.7842
September 3.8670 3.7851 3.8153
October 3.8989 3.8251 3.8398
November 3.8691 3.8407 3.8573
December 3.8687 3.7933 3.8506