2026 BIF to HRK Historical Review

YEARLY HIGH

0.0023 HRK

YEARLY LOW

0.0021 HRK

YEARLY AVERAGE

0.0022 HRK

2026 BIF to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2026

During 2026, the BIF to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on March 9, valuing the pair at 0.0023. Conversely, the yearly low was recorded on January 27, dropping to 0.0021.

This high-to-low spread represents a total annual volatility of 0.0001 HRK. From a start-to-finish perspective, comparing the January average rate of 0.0022 to the December average rate of 0.0022, the exchange rate registered a net change of 1.10% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2026 high of 0.0023 was down 9.58% compared to the 2025 peak of 0.0025, 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 11 HRK

2025 Average 11 HRK

Yearly Trough Low 11 HRK

Transaction Impact: A difference of 0.74 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2026.

0.0022

0.0021

JanuMarcMayJuly

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 0.0022, compared to 0.0022 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0000 points.

H1 Avg (Jan–Jun) 0.0022

H2 Avg (Jul–Dec) 0.0022

Volatility Range Comparison

Volatility

The most volatile month in 2026 was March, with a trading range of 0.0001 HRK (High: 0.0023 / Low: 0.0022). On the other end, May was the most stable month, with a tight range of 0.0000 HRK (High: 0.0022 / Low: 0.0022).

March Spread (Volatile) ±0.0001

May Spread (Stable) ±0.0000

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 0.0000 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0000

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (March 2026: 0.0022) against the same month in 2025 (average: 0.0024), the exchange rate shifted by -0.0002 (-6.86%).

2026 Avg (March) 0.0022

2025 Avg (March) 0.0024

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0022	0.0021	0.0022
February	0.0022	0.0021	0.0022
March	0.0023	0.0022	0.0022
April	0.0022	0.0021	0.0022
May	0.0022	0.0022	0.0022
June	0.0022	0.0022	0.0022
July	0.0022	0.0022	0.0022
August	0.0022	0.0022	0.0022