2019 DJF to HRK Historical Review

YEARLY HIGH

0.0442 HRK

YEARLY LOW

0.0361 HRK

YEARLY AVERAGE

0.0372 HRK

2019 DJF to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2019

During 2019, the DJF to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on January 22, valuing the pair at 0.0442. Conversely, the yearly low was recorded on January 9, dropping to 0.0361.

This high-to-low spread represents a total annual volatility of 0.0080 HRK. From a start-to-finish perspective, comparing the January average rate of 0.0368 to the December average rate of 0.0376, the exchange rate registered a net change of 2.28% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2019 high of 0.0442 was up 18.85% compared to the 2018 peak of 0.0372, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 221 HRK

2018 Average 177 HRK

Yearly Trough Low 181 HRK

Transaction Impact: A difference of 40.22 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2019.

0.0379

0.0366

JanuMarcMayJulySeptNove

DJF 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 0.0369, compared to 0.0375 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0006 points.

H1 Avg (Jan–Jun) 0.0369

H2 Avg (Jul–Dec) 0.0375

Volatility Range Comparison

Volatility

The most volatile month in 2019 was January, with a trading range of 0.0080 HRK (High: 0.0442 / Low: 0.0361). On the other end, May was the most stable month, with a tight range of 0.0005 HRK (High: 0.0374 / Low: 0.0369).

January Spread (Volatile) ±0.0080

May Spread (Stable) ±0.0005

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 0.0004 points.

Longest Streak 5 Mo.

Sharpest MoM Drop -0.0004

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2019: 0.0368) against the same month in 2018 (average: 0.0341), the exchange rate shifted by +0.0027 (+7.86%).

2019 Avg (January) 0.0368

2018 Avg (January) 0.0341

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0442	0.0361	0.0368
February	0.0369	0.0363	0.0367
March	0.0372	0.0364	0.0369
April	0.0374	0.0369	0.0372
May	0.0374	0.0369	0.0372
June	0.0373	0.0364	0.0368
July	0.0375	0.0368	0.0370
August	0.0378	0.0370	0.0373
September	0.0382	0.0374	0.0378
October	0.0381	0.0374	0.0378
November	0.0380	0.0375	0.0378
December	0.0379	0.0373	0.0376