2018 BOB to HRK Historical Review

YEARLY HIGH

0.9577 HRK

YEARLY LOW

0.8597 HRK

YEARLY AVERAGE

0.9096 HRK

2018 BOB to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2018

During 2018, the BOB to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on November 12, valuing the pair at 0.9577. Conversely, the yearly low was recorded on February 1, dropping to 0.8597.

This high-to-low spread represents a total annual volatility of 0.0980 HRK. From a start-to-finish perspective, comparing the January average rate of 0.8818 to the December average rate of 0.9418, the exchange rate registered a net change of 6.80% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2018 high of 0.9577 was down 8.70% compared to the 2017 peak of 1.0490, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 4,789 HRK

2017 Average 4,769 HRK

Yearly Trough Low 4,299 HRK

Transaction Impact: A difference of 489.89 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2018.

0.9541

0.8640

JanuMarcMayJulySeptNove

BOB 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 0.8868, compared to 0.9324 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0456 points.

H1 Avg (Jan–Jun) 0.8868

H2 Avg (Jul–Dec) 0.9324

Volatility Range Comparison

Volatility

The most volatile month in 2018 was May, with a trading range of 0.0408 HRK (High: 0.9266 / Low: 0.8858). On the other end, July was the most stable month, with a tight range of 0.0108 HRK (High: 0.9224 / Low: 0.9116).

May Spread (Volatile) ±0.0408

July Spread (Stable) ±0.0108

Growth Streaks & Declines

Trends

Between February and August, 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 January and February, when the average rate fell by 0.0102 points.

Longest Streak 6 Mo.

Sharpest MoM Drop -0.0102

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (November 2018: 0.9466) against the same month in 2017 (average: 0.9259), the exchange rate shifted by +0.0207 (+2.23%).

2018 Avg (November) 0.9466

2017 Avg (November) 0.9259

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.9041	0.8639	0.8818
February	0.8844	0.8597	0.8715
March	0.8794	0.8647	0.8725
April	0.8870	0.8664	0.8751
May	0.9266	0.8858	0.9049
June	0.9240	0.9047	0.9151
July	0.9224	0.9116	0.9165
August	0.9477	0.9176	0.9319
September	0.9294	0.9123	0.9224
October	0.9498	0.9256	0.9352
November	0.9577	0.9403	0.9466
December	0.9463	0.9348	0.9418