2026 HRK to BIF Historical Review

YEARLY HIGH

472.7383 BIF

YEARLY LOW

441.9410 BIF

YEARLY AVERAGE

458.0439 BIF

2026 HRK to BIF Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2026

During 2026, the HRK to BIF exchange rate experienced significant fluctuation. The market reached its absolute peak on January 27, valuing the pair at 472.7383. Conversely, the yearly low was recorded on March 9, dropping to 441.9410.

This high-to-low spread represents a total annual volatility of 30.7973 BIF. From a start-to-finish perspective, comparing the January average rate of 460.9249 to the December average rate of 455.8568, the exchange rate registered a net change of -1.10% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2026 high of 472.7383 was up 1.04% compared to the 2025 peak of 467.8742, 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 2,363,692 BIF

2025 Average 2,218,695 BIF

Yearly Trough Low 2,209,705 BIF

Transaction Impact: A difference of 153,986.51 BIF purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2026.

466.1682

450.3406

JanuMarcMayJuly

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 459.4725, compared to 453.7582 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 5.7143 points.

H1 Avg (Jan–Jun) 459.4725

H2 Avg (Jul–Dec) 453.7582

Volatility Range Comparison

Volatility

The most volatile month in 2026 was March, with a trading range of 20.4908 BIF (High: 462.4318 / Low: 441.9410). On the other end, May was the most stable month, with a tight range of 3.7811 BIF (High: 462.9702 / Low: 459.1891).

March Spread (Volatile) ±20.4908

May Spread (Stable) ±3.7811

Growth Streaks & Declines

Trends

No sustained consecutive month-over-month growth streak of 2+ months occurred in 2026. Conversely, the sharpest month-over-month decline occurred between February and March, when the average rate fell by 10.6246 points.

Longest Streak 1 Mo.

Sharpest MoM Drop -10.6246

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2026: 460.9249) against the same month in 2025 (average: 405.0761), the exchange rate shifted by +55.8488 (+13.79%).

2026 Avg (January) 460.9249

2025 Avg (January) 405.0761

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	472.7383	454.8233	460.9249
February	469.6576	462.6890	464.8492
March	462.4318	441.9410	454.2246
April	465.3879	453.2323	461.0495
May	462.9702	459.1891	460.4393
June	460.7900	449.1981	455.3474
July	454.0009	449.7765	451.6595
August	459.1101	453.7063	455.8568