2019 BOB to HRK Historical Review

YEARLY HIGH

0.9835 HRK

YEARLY LOW

0.9299 HRK

YEARLY AVERAGE

0.9588 HRK

2019 BOB to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2019

During 2019, the BOB to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on October 1, valuing the pair at 0.9835. Conversely, the yearly low was recorded on January 9, dropping to 0.9299.

This high-to-low spread represents a total annual volatility of 0.0537 HRK. From a start-to-finish perspective, comparing the January average rate of 0.9417 to the December average rate of 0.9690, the exchange rate registered a net change of 2.90% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2019 high of 0.9835 was up 2.70% compared to the 2018 peak of 0.9577, 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 4,918 HRK

2018 Average 4,549 HRK

Yearly Trough Low 4,649 HRK

Transaction Impact: A difference of 268.29 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2019.

0.9768

0.9385

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 0.9504, compared to 0.9672 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0168 points.

H1 Avg (Jan–Jun) 0.9504

H2 Avg (Jul–Dec) 0.9672

Volatility Range Comparison

Volatility

The most volatile month in 2019 was June, with a trading range of 0.0256 HRK (High: 0.9645 / Low: 0.9388). On the other end, May was the most stable month, with a tight range of 0.0129 HRK (High: 0.9649 / Low: 0.9520).

June Spread (Volatile) ±0.0256

May Spread (Stable) ±0.0129

Growth Streaks & Declines

Trends

Between January and May, 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 May and June, when the average rate fell by 0.0108 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.0108

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (October 2019: 0.9725) against the same month in 2018 (average: 0.9352), the exchange rate shifted by +0.0373 (+3.99%).

2019 Avg (October) 0.9725

2018 Avg (October) 0.9352

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.9514	0.9299	0.9417
February	0.9513	0.9362	0.9451
March	0.9594	0.9398	0.9511
April	0.9652	0.9491	0.9565
May	0.9649	0.9520	0.9595
June	0.9645	0.9388	0.9487
July	0.9647	0.9445	0.9535
August	0.9748	0.9529	0.9620
September	0.9813	0.9660	0.9727
October	0.9835	0.9637	0.9725
November	0.9781	0.9652	0.9736
December	0.9780	0.9608	0.9690