2025 HRK to BAM Historical Review

YEARLY HIGH

0.2677 BAM

YEARLY LOW

0.2565 BAM

YEARLY AVERAGE

0.2597 BAM

2025 HRK to BAM Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the HRK to BAM exchange rate experienced significant fluctuation. The market reached its absolute peak on April 11, valuing the pair at 0.2677. Conversely, the yearly low was recorded on April 22, dropping to 0.2565.

This high-to-low spread represents a total annual volatility of 0.0112 BAM. From a start-to-finish perspective, comparing the January average rate of 0.2595 to the December average rate of 0.2596, the exchange rate registered a net change of 0.06% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2025 high of 0.2677 was up 2.23% compared to the 2024 peak of 0.2619, 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 1,338 BAM

2024 Average 1,297 BAM

Yearly Trough Low 1,282 BAM

Transaction Impact: A difference of 56.11 BAM purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

0.2607

0.2593

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 0.2598, compared to 0.2596 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0002 points.

H1 Avg (Jan–Jun) 0.2598

H2 Avg (Jul–Dec) 0.2596

Volatility Range Comparison

Volatility

The most volatile month in 2025 was April, with a trading range of 0.0112 BAM (High: 0.2677 / Low: 0.2565). On the other end, December was the most stable month, with a tight range of 0.0023 BAM (High: 0.2611 / Low: 0.2588).

April Spread (Volatile) ±0.0112

December Spread (Stable) ±0.0023

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 April and May, when the average rate fell by 0.0011 points.

Longest Streak 1 Mo.

Sharpest MoM Drop -0.0011

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (April 2025: 0.2606) against the same month in 2024 (average: 0.2593), the exchange rate shifted by +0.0014 (+0.53%).

2025 Avg (April) 0.2606

2024 Avg (April) 0.2593

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.2621	0.2579	0.2595
February	0.2614	0.2570	0.2596
March	0.2620	0.2570	0.2594
April	0.2677	0.2565	0.2606
May	0.2618	0.2573	0.2595
June	0.2625	0.2575	0.2599
July	0.2607	0.2572	0.2594
August	0.2635	0.2578	0.2598
September	0.2621	0.2578	0.2597
October	0.2607	0.2581	0.2596
November	0.2607	0.2580	0.2595
December	0.2611	0.2588	0.2596