YEARLY HIGH
3.6395 HRK
YEARLY LOW
3.3658 HRK
YEARLY AVERAGE
3.4830 HRK

2024 BBD to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2024

During 2024, the BBD to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on December 18, valuing the pair at 3.6395. Conversely, the yearly low was recorded on August 24, dropping to 3.3658.

This high-to-low spread represents a total annual volatility of 0.2737 HRK. From a start-to-finish perspective, comparing the January average rate of 3.4539 to the December average rate of 3.5978, the exchange rate registered a net change of 4.17% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2024 high of 3.6395 was up 1.14% compared to the 2023 peak of 3.5986, 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 18,198 HRK
2023 Average 17,417 HRK
Yearly Trough Low 16,829 HRK
Transaction Impact: A difference of 1,368.59 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2024.

3.6184
3.3708
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 3.4853, compared to 3.4807 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0046 points.

H1 Avg (Jan–Jun) 3.4853
H2 Avg (Jul–Dec) 3.4807

Volatility Range Comparison

Volatility

The most volatile month in 2024 was November, with a trading range of 0.1699 HRK (High: 3.6166 / Low: 3.4467). On the other end, March was the most stable month, with a tight range of 0.0513 HRK (High: 3.4910 / Low: 3.4397).

November Spread (Volatile) ±0.1699
March Spread (Stable) ±0.0513

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 July and August, when the average rate fell by 0.0534 points.

Longest Streak 3 Mo.
Sharpest MoM Drop -0.0534

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2024: 3.5978) against the same month in 2023 (average: 3.4504), the exchange rate shifted by +0.1474 (+4.27%).

2024 Avg (December) 3.5978
2023 Avg (December) 3.4504

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 3.4861 3.4133 3.4539
February 3.5178 3.4644 3.4905
March 3.4910 3.4397 3.4669
April 3.5470 3.4682 3.5145
May 3.5154 3.4597 3.4846
June 3.5273 3.4540 3.5013
July 3.5088 3.4436 3.4717
August 3.4922 3.3658 3.4183
September 3.4213 3.3668 3.3915
October 3.4944 3.4048 3.4578
November 3.6166 3.4467 3.5470
December 3.6395 3.5605 3.5978