YEARLY HIGH
3.3742 HRK
YEARLY LOW
3.1877 HRK
YEARLY AVERAGE
3.2885 HRK

2019 BZD to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2019

During 2019, the BZD to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on October 1, valuing the pair at 3.3742. Conversely, the yearly low was recorded on January 9, dropping to 3.1877.

This high-to-low spread represents a total annual volatility of 0.1865 HRK. From a start-to-finish perspective, comparing the January average rate of 3.2297 to the December average rate of 3.3234, 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 3.3742 was up 2.78% compared to the 2018 peak of 3.2831, 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 16,871 HRK
2018 Average 15,633 HRK
Yearly Trough Low 15,938 HRK
Transaction Impact: A difference of 932.71 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2019.

3.3510
3.2187
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 3.2598, compared to 3.3172 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0574 points.

H1 Avg (Jan–Jun) 3.2598
H2 Avg (Jul–Dec) 3.3172

Volatility Range Comparison

Volatility

The most volatile month in 2019 was March, with a trading range of 0.0927 HRK (High: 3.3146 / Low: 3.2219). On the other end, May was the most stable month, with a tight range of 0.0443 HRK (High: 3.3077 / Low: 3.2634).

March Spread (Volatile) ±0.0927
May Spread (Stable) ±0.0443

Growth Streaks & Declines

Trends

Between June and November, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 5 straight months. Conversely, the sharpest month-over-month decline occurred between May and June, when the average rate fell by 0.0362 points.

Longest Streak 5 Mo.
Sharpest MoM Drop -0.0362

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (October 2019: 3.3374) against the same month in 2018 (average: 3.2152), the exchange rate shifted by +0.1222 (+3.80%).

2019 Avg (October) 3.3374
2018 Avg (October) 3.2152

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 3.2610 3.1877 3.2297
February 3.2675 3.2092 3.2409
March 3.3146 3.2219 3.2626
April 3.3141 3.2613 3.2837
May 3.3077 3.2634 3.2890
June 3.3062 3.2208 3.2528
July 3.3083 3.2382 3.2689
August 3.3416 3.2677 3.2978
September 3.3664 3.3128 3.3356
October 3.3742 3.3060 3.3374
November 3.3557 3.3113 3.3400
December 3.3553 3.2913 3.3234