YEARLY HIGH
3.2831 HRK
YEARLY LOW
2.9563 HRK
YEARLY AVERAGE
3.1257 HRK

2018 BZD to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2018

During 2018, the BZD to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on November 12, valuing the pair at 3.2831. Conversely, the yearly low was recorded on February 1, dropping to 2.9563.

This high-to-low spread represents a total annual volatility of 0.3267 HRK. From a start-to-finish perspective, comparing the January average rate of 3.0326 to the December average rate of 3.2287, the exchange rate registered a net change of 6.46% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2018 high of 3.2831 was down 9.07% compared to the 2017 peak of 3.6106, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 16,415 HRK
2017 Average 16,449 HRK
Yearly Trough Low 14,782 HRK
Transaction Impact: A difference of 1,633.74 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2018.

3.2706
2.9710
JanuMarcMayJulySeptNove

BZD 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 3.0492, compared to 3.2023 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.1531 points.

H1 Avg (Jan–Jun) 3.0492
H2 Avg (Jul–Dec) 3.2023

Volatility Range Comparison

Volatility

The most volatile month in 2018 was May, with a trading range of 0.1419 HRK (High: 3.1855 / Low: 3.0436). On the other end, July was the most stable month, with a tight range of 0.0301 HRK (High: 3.1633 / Low: 3.1332).

May Spread (Volatile) ±0.1419
July Spread (Stable) ±0.0301

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 0.0366 points.

Longest Streak 6 Mo.
Sharpest MoM Drop -0.0366

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (November 2018: 3.2457) against the same month in 2017 (average: 3.1984), the exchange rate shifted by +0.0473 (+1.48%).

2018 Avg (November) 3.2457
2017 Avg (November) 3.1984

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 3.1081 2.9707 3.0326
February 3.0402 2.9563 2.9960
March 3.0222 2.9749 3.0009
April 3.0498 2.9788 3.0082
May 3.1855 3.0436 3.1110
June 3.1765 3.1102 3.1463
July 3.1633 3.1332 3.1478
August 3.2572 3.1569 3.2036
September 3.1956 3.1363 3.1727
October 3.2631 3.1826 3.2152
November 3.2831 3.2173 3.2457
December 3.2440 3.2047 3.2287