2019 HRK to BIF Historical Review

YEARLY HIGH

284.2665 BIF

YEARLY LOW

271.6958 BIF

YEARLY AVERAGE

277.9469 BIF

2019 HRK to BIF Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2019

During 2019, the HRK to BIF exchange rate experienced significant fluctuation. The market reached its absolute peak on June 7, valuing the pair at 284.2665. Conversely, the yearly low was recorded on October 1, dropping to 271.6958.

This high-to-low spread represents a total annual volatility of 12.5707 BIF. From a start-to-finish perspective, comparing the January average rate of 277.4532 to the December average rate of 280.3005, the exchange rate registered a net change of 1.03% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2019 high of 284.2665 was down 4.43% compared to the 2018 peak of 297.4579, 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 1,421,333 BIF

2018 Average 1,414,941 BIF

Yearly Trough Low 1,358,479 BIF

Transaction Impact: A difference of 62,853.57 BIF purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2019.

281.8141

275.0794

JanuMarcMayJulySeptNove

HRK to BIF 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 277.9229, compared to 277.9710 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0481 points.

H1 Avg (Jan–Jun) 277.9229

H2 Avg (Jul–Dec) 277.9710

Volatility Range Comparison

Volatility

The most volatile month in 2019 was October, with a trading range of 8.8775 BIF (High: 280.5733 / Low: 271.6958). On the other end, November was the most stable month, with a tight range of 2.6742 BIF (High: 279.6679 / Low: 276.9937).

October Spread (Volatile) ±8.8775

November Spread (Stable) ±2.6742

Growth Streaks & Declines

Trends

Between September and December, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 3 straight months. Conversely, the sharpest month-over-month decline occurred between July and August, when the average rate fell by 2.0542 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -2.0542

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (June 2019: 281.2529) against the same month in 2018 (average: 280.3803), the exchange rate shifted by +0.8726 (+0.31%).

2019 Avg (June) 281.2529

2018 Avg (June) 280.3803

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	280.2469	274.0652	277.4532
February	281.8140	274.4031	277.6673
March	280.2348	273.8008	277.0703
April	278.6601	274.5054	276.9481
May	279.1122	275.7538	277.1455
June	284.2665	275.9653	281.2529
July	281.4938	276.5240	279.7062
August	280.4100	275.2640	277.6520
September	278.6637	272.3436	275.6406
October	280.5733	271.6958	276.3648
November	279.6679	276.9937	278.1620
December	283.6855	277.2731	280.3005