2025 ETB to HRK Historical Review

YEARLY HIGH

0.0586 HRK

YEARLY LOW

0.0411 HRK

YEARLY AVERAGE

0.0484 HRK

2025 ETB to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the ETB to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on January 10, valuing the pair at 0.0586. Conversely, the yearly low was recorded on December 23, dropping to 0.0411.

This high-to-low spread represents a total annual volatility of 0.0176 HRK. From a start-to-finish perspective, comparing the January average rate of 0.0573 to the December average rate of 0.0414, the exchange rate registered a net change of -27.78% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2025 high of 0.0586 was down 53.03% compared to the 2024 peak of 0.1248, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 293 HRK

2024 Average 480 HRK

Yearly Trough Low 205 HRK

Transaction Impact: A difference of 87.77 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

0.0589

0.0398

JanuMarcMayJulySeptNove

ETB 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 0.0527, compared to 0.0441 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0086 points.

H1 Avg (Jan–Jun) 0.0527

H2 Avg (Jul–Dec) 0.0441

Volatility Range Comparison

Volatility

The most volatile month in 2025 was March, with a trading range of 0.0047 HRK (High: 0.0573 / Low: 0.0526). On the other end, December was the most stable month, with a tight range of 0.0009 HRK (High: 0.0419 / Low: 0.0411).

March Spread (Volatile) ±0.0047

December Spread (Stable) ±0.0009

Growth Streaks & Declines

Trends

No sustained consecutive month-over-month growth streak of 2+ months occurred in 2025. Conversely, the sharpest month-over-month decline occurred between February and March, when the average rate fell by 0.0032 points.

Longest Streak 0 Mo.

Sharpest MoM Drop -0.0032

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2025: 0.0573) against the same month in 2024 (average: 0.1224), the exchange rate shifted by -0.0651 (-53.19%).

2025 Avg (January) 0.0573

2024 Avg (January) 0.1224

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0586	0.0559	0.0573
February	0.0580	0.0560	0.0569
March	0.0573	0.0526	0.0537
April	0.0531	0.0493	0.0508
May	0.0509	0.0487	0.0496
June	0.0493	0.0471	0.0482
July	0.0477	0.0461	0.0468
August	0.0477	0.0450	0.0461
September	0.0453	0.0437	0.0447
October	0.0445	0.0423	0.0436
November	0.0429	0.0418	0.0423
December	0.0419	0.0411	0.0414