2025 HRK to BND Historical Review

YEARLY HIGH

0.2016 BND

YEARLY LOW

0.1850 BND

YEARLY AVERAGE

0.1959 BND

2025 HRK to BND Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the HRK to BND exchange rate experienced significant fluctuation. The market reached its absolute peak on December 22, valuing the pair at 0.2016. Conversely, the yearly low was recorded on February 27, dropping to 0.1850.

This high-to-low spread represents a total annual volatility of 0.0166 BND. From a start-to-finish perspective, comparing the January average rate of 0.1871 to the December average rate of 0.2007, the exchange rate registered a net change of 7.28% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2025 high of 0.2016 was up 3.20% compared to the 2024 peak of 0.1954, 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 1,008 BND

2024 Average 959 BND

Yearly Trough Low 925 BND

Transaction Impact: A difference of 83.16 BND purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

0.2022

0.1848

JanuMarcMayJulySeptNove

HRK to BND 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 0.1921, compared to 0.1997 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0076 points.

H1 Avg (Jan–Jun) 0.1921

H2 Avg (Jul–Dec) 0.1997

Volatility Range Comparison

Volatility

The most volatile month in 2025 was April, with a trading range of 0.0082 BND (High: 0.2008 / Low: 0.1926). On the other end, December was the most stable month, with a tight range of 0.0018 BND (High: 0.2016 / Low: 0.1998).

April Spread (Volatile) ±0.0082

December Spread (Stable) ±0.0018

Growth Streaks & Declines

Trends

Between May and October, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 5 straight months. Conversely, the sharpest month-over-month decline occurred between April and May, when the average rate fell by 0.0033 points.

Longest Streak 5 Mo.

Sharpest MoM Drop -0.0033

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2025: 0.2007) against the same month in 2024 (average: 0.1876), the exchange rate shifted by +0.0131 (+6.98%).

2025 Avg (December) 0.2007

2024 Avg (December) 0.1876

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.1888	0.1859	0.1871
February	0.1878	0.1850	0.1862
March	0.1934	0.1856	0.1914
April	0.2008	0.1926	0.1973
May	0.1973	0.1921	0.1940
June	0.1994	0.1944	0.1965
July	0.1998	0.1956	0.1986
August	0.2005	0.1966	0.1987
September	0.2015	0.1989	0.2001
October	0.2013	0.1989	0.2002
November	0.2007	0.1985	0.1998
December	0.2016	0.1998	0.2007