YEARLY HIGH
4.7683 HRK
YEARLY LOW
4.1011 HRK
YEARLY AVERAGE
4.4759 HRK

2018 BND to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2018

During 2018, the BND to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on November 25, valuing the pair at 4.7683. Conversely, the yearly low was recorded on December 31, dropping to 4.1011.

This high-to-low spread represents a total annual volatility of 0.6671 HRK. From a start-to-finish perspective, comparing the January average rate of 4.6109 to the December average rate of 4.1492, the exchange rate registered a net change of -10.01% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2018 high of 4.7683 was down 5.21% compared to the 2017 peak of 5.0302, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 23,841 HRK
2017 Average 23,951 HRK
Yearly Trough Low 20,506 HRK
Transaction Impact: A difference of 3,335.52 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2018.

4.6774
4.1012
JanuMarcMayJulySeptNove

BND 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 4.5663, compared to 4.3854 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.1808 points.

H1 Avg (Jan–Jun) 4.5663
H2 Avg (Jul–Dec) 4.3854

Volatility Range Comparison

Volatility

The most volatile month in 2018 was December, with a trading range of 0.6376 HRK (High: 4.7388 / Low: 4.1011). On the other end, April was the most stable month, with a tight range of 0.0519 HRK (High: 4.6161 / Low: 4.5642).

December Spread (Volatile) ±0.6376
April Spread (Stable) ±0.0519

Growth Streaks & Declines

Trends

Between February and May, 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 November and December, when the average rate fell by 0.3620 points.

Longest Streak 3 Mo.
Sharpest MoM Drop -0.3620

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (November 2018: 4.5112) against the same month in 2017 (average: 4.7425), the exchange rate shifted by -0.2313 (-4.88%).

2018 Avg (November) 4.5112
2017 Avg (November) 4.7425

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 4.6759 4.5610 4.6109
February 4.6195 4.5148 4.5632
March 4.6154 4.5443 4.5841
April 4.6161 4.5642 4.5918
May 4.7324 4.2466 4.6294
June 4.7469 4.1388 4.4183
July 4.6997 4.1711 4.4697
August 4.6910 4.2001 4.2752
September 4.6385 4.1754 4.3191
October 4.7331 4.5356 4.5882
November 4.7683 4.1311 4.5112
December 4.7388 4.1011 4.1492