2018 BIF to HRK Historical Review

YEARLY HIGH

0.0037 HRK

YEARLY LOW

0.0034 HRK

YEARLY AVERAGE

0.0035 HRK

2018 BIF to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2018

During 2018, the BIF to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on November 12, valuing the pair at 0.0037. Conversely, the yearly low was recorded on February 3, dropping to 0.0034.

This high-to-low spread represents a total annual volatility of 0.0004 HRK. From a start-to-finish perspective, comparing the January average rate of 0.0035 to the December average rate of 0.0036, the exchange rate registered a net change of 4.17% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2018 high of 0.0037 was down 14.52% compared to the 2017 peak of 0.0043, 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 19 HRK

2017 Average 19 HRK

Yearly Trough Low 17 HRK

Transaction Impact: A difference of 1.76 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2018.

0.0037

0.0034

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 0.0035, compared to 0.0036 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0001 points.

H1 Avg (Jan–Jun) 0.0035

H2 Avg (Jul–Dec) 0.0036

Volatility Range Comparison

Volatility

The most volatile month in 2018 was January, with a trading range of 0.0002 HRK (High: 0.0036 / Low: 0.0034). On the other end, July was the most stable month, with a tight range of 0.0001 HRK (High: 0.0036 / Low: 0.0035).

January Spread (Volatile) ±0.0002

July Spread (Stable) ±0.0001

Growth Streaks & Declines

Trends

Between April and August, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 4 straight months. Conversely, the sharpest month-over-month decline occurred between January and February, when the average rate fell by 0.0000 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.0000

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (November 2018: 0.0036) against the same month in 2017 (average: 0.0037), the exchange rate shifted by -0.0000 (-0.81%).

2018 Avg (November) 0.0036

2017 Avg (November) 0.0037

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0036	0.0034	0.0035
February	0.0035	0.0034	0.0034
March	0.0035	0.0034	0.0034
April	0.0035	0.0034	0.0034
May	0.0036	0.0035	0.0035
June	0.0036	0.0035	0.0036
July	0.0036	0.0035	0.0036
August	0.0037	0.0036	0.0036
September	0.0036	0.0035	0.0036
October	0.0037	0.0035	0.0036
November	0.0037	0.0036	0.0036
December	0.0036	0.0036	0.0036