2017 BIF to HRK Historical Review

YEARLY HIGH

0.0043 HRK

YEARLY LOW

0.0035 HRK

YEARLY AVERAGE

0.0038 HRK

2017 BIF to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2017

During 2017, the BIF to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on January 3, valuing the pair at 0.0043. Conversely, the yearly low was recorded on December 31, dropping to 0.0035.

This high-to-low spread represents a total annual volatility of 0.0008 HRK. From a start-to-finish perspective, comparing the January average rate of 0.0042 to the December average rate of 0.0036, the exchange rate registered a net change of -14.24% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2017 high of 0.0043 was down 5.05% compared to the 2016 peak of 0.0046, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 22 HRK

2016 Average 21 HRK

Yearly Trough Low 18 HRK

Transaction Impact: A difference of 4.11 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2017.

0.0043

0.0035

JanuMarcMayJulySeptNove

BIF 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 0.0041, compared to 0.0036 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0004 points.

H1 Avg (Jan–Jun) 0.0041

H2 Avg (Jul–Dec) 0.0036

Volatility Range Comparison

Volatility

The most volatile month in 2017 was January, with a trading range of 0.0002 HRK (High: 0.0043 / Low: 0.0041). On the other end, October was the most stable month, with a tight range of 0.0001 HRK (High: 0.0037 / Low: 0.0036).

January Spread (Volatile) ±0.0002

October Spread (Stable) ±0.0001

Growth Streaks & Declines

Trends

Between September and November, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 2 straight months. Conversely, the sharpest month-over-month decline occurred between April and May, when the average rate fell by 0.0002 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0002

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2017: 0.0042) against the same month in 2016 (average: 0.0045), the exchange rate shifted by -0.0003 (-6.55%).

2017 Avg (January) 0.0042

2016 Avg (January) 0.0045

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0043	0.0041	0.0042
February	0.0042	0.0041	0.0041
March	0.0042	0.0040	0.0041
April	0.0041	0.0040	0.0041
May	0.0040	0.0038	0.0039
June	0.0039	0.0038	0.0038
July	0.0038	0.0036	0.0037
August	0.0036	0.0036	0.0036
September	0.0037	0.0035	0.0036
October	0.0037	0.0036	0.0036
November	0.0037	0.0036	0.0037
December	0.0037	0.0035	0.0036