2013 HRK to BAM Historical Review

YEARLY HIGH

0.2629 BAM

YEARLY LOW

0.2556 BAM

YEARLY AVERAGE

0.2583 BAM

2013 HRK to BAM Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2013

During 2013, the HRK to BAM exchange rate experienced significant fluctuation. The market reached its absolute peak on July 1, valuing the pair at 0.2629. Conversely, the yearly low was recorded on November 20, dropping to 0.2556.

This high-to-low spread represents a total annual volatility of 0.0073 BAM. From a start-to-finish perspective, comparing the January average rate of 0.2586 to the December average rate of 0.2563, the exchange rate registered a net change of -0.91% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2013 high of 0.2629 was down 0.84% compared to the 2012 peak of 0.2652, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 1,315 BAM

2012 Average 1,301 BAM

Yearly Trough Low 1,278 BAM

Transaction Impact: A difference of 36.72 BAM purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2013.

0.2617

0.2558

JanuMarcMayJulySeptNove

HRK to BAM 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 0.2586, compared to 0.2579 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0007 points.

H1 Avg (Jan–Jun) 0.2586

H2 Avg (Jul–Dec) 0.2579

Volatility Range Comparison

Volatility

The most volatile month in 2013 was June, with a trading range of 0.0044 BAM (High: 0.2628 / Low: 0.2584). On the other end, December was the most stable month, with a tight range of 0.0008 BAM (High: 0.2568 / Low: 0.2560).

June Spread (Volatile) ±0.0044

December Spread (Stable) ±0.0008

Growth Streaks & Declines

Trends

Between April and June, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 2 straight months. Conversely, the sharpest month-over-month decline occurred between August and September, when the average rate fell by 0.0021 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0021

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (July 2013: 0.2607) against the same month in 2012 (average: 0.2608), the exchange rate shifted by -0.0001 (-0.02%).

2013 Avg (July) 0.2607

2012 Avg (July) 0.2608

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.2594	0.2579	0.2586
February	0.2585	0.2572	0.2580
March	0.2587	0.2573	0.2578
April	0.2577	0.2564	0.2573
May	0.2594	0.2576	0.2585
June	0.2628	0.2584	0.2612
July	0.2629	0.2595	0.2607
August	0.2607	0.2585	0.2597
September	0.2586	0.2566	0.2575
October	0.2574	0.2564	0.2568
November	0.2575	0.2556	0.2565
December	0.2568	0.2560	0.2563