2026 BBD to HRK Historical Review

YEARLY HIGH

3.3172 HRK

YEARLY LOW

3.1339 HRK

YEARLY AVERAGE

3.2407 HRK

2026 BBD to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2026

During 2026, the BBD to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on June 24, valuing the pair at 3.3172. Conversely, the yearly low was recorded on January 27, dropping to 3.1339.

This high-to-low spread represents a total annual volatility of 0.1833 HRK. From a start-to-finish perspective, comparing the January average rate of 3.2108 to the December average rate of 3.3000, the exchange rate registered a net change of 2.78% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2026 high of 3.3172 was down 9.80% compared to the 2025 peak of 3.6775, 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 16,586 HRK

2025 Average 16,695 HRK

Yearly Trough Low 15,669 HRK

Transaction Impact: A difference of 916.55 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2026.

3.3114

3.1744

JanuMarcMayJuly

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 3.2308, compared to 3.3000 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0692 points.

H1 Avg (Jan–Jun) 3.2308

H2 Avg (Jul–Dec) 3.3000

Volatility Range Comparison

Volatility

The most volatile month in 2026 was January, with a trading range of 0.1141 HRK (High: 3.2480 / Low: 3.1339). On the other end, July was the most stable month, with a tight range of 0.0247 HRK (High: 3.3132 / Low: 3.2885).

January Spread (Volatile) ±0.1141

July Spread (Stable) ±0.0247

Growth Streaks & Declines

Trends

Between April and July, 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 March and April, when the average rate fell by 0.0366 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0366

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (June 2026: 3.2739) against the same month in 2025 (average: 3.2669), the exchange rate shifted by +0.0069 (+0.21%).

2026 Avg (June) 3.2739

2025 Avg (June) 3.2669

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	3.2480	3.1339	3.2108
February	3.2010	3.1646	3.1858
March	3.2998	3.2034	3.2598
April	3.2730	3.1907	3.2233
May	3.2402	3.2140	3.2313
June	3.3172	3.2355	3.2739
July	3.3132	3.2885	3.3000