YEARLY HIGH
3.9165 HRK
YEARLY LOW
3.8030 HRK
YEARLY AVERAGE
3.8721 HRK

2013 BGN to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2013

During 2013, the BGN to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on November 20, valuing the pair at 3.9165. Conversely, the yearly low was recorded on July 1, dropping to 3.8030.

This high-to-low spread represents a total annual volatility of 0.1135 HRK. From a start-to-finish perspective, comparing the January average rate of 3.8684 to the December average rate of 3.9006, the exchange rate registered a net change of 0.83% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2013 high of 3.9165 was up 0.60% compared to the 2012 peak of 3.8932, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 19,583 HRK
2012 Average 19,213 HRK
Yearly Trough Low 19,015 HRK
Transaction Impact: A difference of 567.46 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2013.

3.9077
3.8229
JanuMarcMayJulySeptNove

BGN 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 3.8678, compared to 3.8764 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0086 points.

H1 Avg (Jan–Jun) 3.8678
H2 Avg (Jul–Dec) 3.8764

Volatility Range Comparison

Volatility

The most volatile month in 2013 was June, with a trading range of 0.0597 HRK (High: 3.8682 / Low: 3.8085). On the other end, October was the most stable month, with a tight range of 0.0118 HRK (High: 3.8981 / Low: 3.8863).

June Spread (Volatile) ±0.0597
October Spread (Stable) ±0.0118

Growth Streaks & Declines

Trends

Between June and December, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 6 straight months. Conversely, the sharpest month-over-month decline occurred between May and June, when the average rate fell by 0.0382 points.

Longest Streak 6 Mo.
Sharpest MoM Drop -0.0382

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (November 2013: 3.8983) against the same month in 2012 (average: 3.8536), the exchange rate shifted by +0.0446 (+1.16%).

2013 Avg (November) 3.8983
2012 Avg (November) 3.8536

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 3.8762 3.8611 3.8684
February 3.9012 3.8654 3.8760
March 3.8857 3.8606 3.8778
April 3.9008 3.8714 3.8865
May 3.8801 3.8568 3.8681
June 3.8682 3.8085 3.8300
July 3.8481 3.8030 3.8347
August 3.8695 3.8344 3.8500
September 3.8918 3.8670 3.8820
October 3.8981 3.8863 3.8928
November 3.9165 3.8865 3.8983
December 3.9084 3.8939 3.9006