YEARLY HIGH
3.3997 HRK
YEARLY LOW
3.2139 HRK
YEARLY AVERAGE
3.3131 HRK

2019 BBD to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2019

During 2019, the BBD to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on September 30, valuing the pair at 3.3997. Conversely, the yearly low was recorded on January 9, dropping to 3.2139.

This high-to-low spread represents a total annual volatility of 0.1859 HRK. From a start-to-finish perspective, comparing the January average rate of 3.2528 to the December average rate of 3.3488, the exchange rate registered a net change of 2.95% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2019 high of 3.3997 was up 2.79% compared to the 2018 peak of 3.3075, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 16,999 HRK
2018 Average 15,717 HRK
Yearly Trough Low 16,069 HRK
Transaction Impact: A difference of 929.33 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2019.

3.3766
3.2416
JanuMarcMayJulySeptNove

BBD 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 3.2840, compared to 3.3423 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0582 points.

H1 Avg (Jan–Jun) 3.2840
H2 Avg (Jul–Dec) 3.3423

Volatility Range Comparison

Volatility

The most volatile month in 2019 was June, with a trading range of 0.0787 HRK (High: 3.3236 / Low: 3.2449). On the other end, May was the most stable month, with a tight range of 0.0442 HRK (High: 3.3330 / Low: 3.2888).

June Spread (Volatile) ±0.0787
May Spread (Stable) ±0.0442

Growth Streaks & Declines

Trends

Between June and November, 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 May and June, when the average rate fell by 0.0364 points.

Longest Streak 5 Mo.
Sharpest MoM Drop -0.0364

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (September 2019: 3.3608) against the same month in 2018 (average: 3.1892), the exchange rate shifted by +0.1717 (+5.38%).

2019 Avg (September) 3.3608
2018 Avg (September) 3.1892

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 3.2860 3.2139 3.2528
February 3.2880 3.2353 3.2663
March 3.3144 3.2447 3.2847
April 3.3304 3.2851 3.3078
May 3.3330 3.2888 3.3145
June 3.3236 3.2449 3.2781
July 3.3345 3.2755 3.2952
August 3.3677 3.2940 3.3217
September 3.3997 3.3314 3.3608
October 3.3904 3.3322 3.3616
November 3.3828 3.3372 3.3654
December 3.3749 3.3164 3.3488