2019 HRK to BAM Historical Review

YEARLY HIGH

0.2668 BAM

YEARLY LOW

0.2608 BAM

YEARLY AVERAGE

0.2636 BAM

2019 HRK to BAM Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2019

During 2019, the HRK to BAM exchange rate experienced significant fluctuation. The market reached its absolute peak on August 23, valuing the pair at 0.2668. Conversely, the yearly low was recorded on January 2, dropping to 0.2608.

This high-to-low spread represents a total annual volatility of 0.0060 BAM. From a start-to-finish perspective, comparing the January average rate of 0.2632 to the December average rate of 0.2628, the exchange rate registered a net change of -0.12% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2019 high of 0.2668 was up 0.07% compared to the 2018 peak of 0.2667, 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 1,334 BAM

2018 Average 1,317 BAM

Yearly Trough Low 1,304 BAM

Transaction Impact: A difference of 30.14 BAM purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2019.

0.2647

0.2626

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 0.2636, compared to 0.2637 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0001 points.

H1 Avg (Jan–Jun) 0.2636

H2 Avg (Jul–Dec) 0.2637

Volatility Range Comparison

Volatility

The most volatile month in 2019 was January, with a trading range of 0.0049 BAM (High: 0.2657 / Low: 0.2608). On the other end, June was the most stable month, with a tight range of 0.0019 BAM (High: 0.2652 / Low: 0.2633).

January Spread (Volatile) ±0.0049

June Spread (Stable) ±0.0019

Growth Streaks & Declines

Trends

Between April and August, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 4 straight months. Conversely, the sharpest month-over-month decline occurred between September and October, when the average rate fell by 0.0009 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.0009

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (August 2019: 0.2646) against the same month in 2018 (average: 0.2631), the exchange rate shifted by +0.0015 (+0.56%).

2019 Avg (August) 0.2646

2018 Avg (August) 0.2631

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.2657	0.2608	0.2632
February	0.2653	0.2622	0.2637
March	0.2652	0.2612	0.2633
April	0.2644	0.2615	0.2631
May	0.2650	0.2626	0.2638
June	0.2652	0.2633	0.2643
July	0.2659	0.2631	0.2645
August	0.2668	0.2630	0.2646
September	0.2656	0.2630	0.2641
October	0.2642	0.2618	0.2632
November	0.2636	0.2616	0.2628
December	0.2647	0.2615	0.2628