2019 HRK to BOB Historical Review

YEARLY HIGH

1.0754 BOB

YEARLY LOW

1.0167 BOB

YEARLY AVERAGE

1.0431 BOB

2019 HRK to BOB Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2019

During 2019, the HRK to BOB exchange rate experienced significant fluctuation. The market reached its absolute peak on January 9, valuing the pair at 1.0754. Conversely, the yearly low was recorded on October 1, dropping to 1.0167.

This high-to-low spread represents a total annual volatility of 0.0587 BOB. From a start-to-finish perspective, comparing the January average rate of 1.0619 to the December average rate of 1.0320, the exchange rate registered a net change of -2.82% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2019 high of 1.0754 was down 7.54% compared to the 2018 peak of 1.1631, 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 5,377 BOB

2018 Average 5,500 BOB

Yearly Trough Low 5,084 BOB

Transaction Impact: A difference of 293.34 BOB purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2019.

1.0654

1.0237

JanuMarcMayJulySeptNove

HRK to BOB 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 1.0522, compared to 1.0340 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0182 points.

H1 Avg (Jan–Jun) 1.0522

H2 Avg (Jul–Dec) 1.0340

Volatility Range Comparison

Volatility

The most volatile month in 2019 was June, with a trading range of 0.0283 BOB (High: 1.0651 / Low: 1.0368). On the other end, November was the most stable month, with a tight range of 0.0137 BOB (High: 1.0360 / Low: 1.0223).

June Spread (Volatile) ±0.0283

November Spread (Stable) ±0.0137

Growth Streaks & Declines

Trends

No sustained consecutive month-over-month growth streak of 2+ months occurred in 2019. Conversely, the sharpest month-over-month decline occurred between August and September, when the average rate fell by 0.0114 points.

Longest Streak 1 Mo.

Sharpest MoM Drop -0.0114

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2019: 1.0619) against the same month in 2018 (average: 1.1343), the exchange rate shifted by -0.0724 (-6.38%).

2019 Avg (January) 1.0619

2018 Avg (January) 1.1343

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	1.0754	1.0511	1.0619
February	1.0681	1.0512	1.0581
March	1.0640	1.0424	1.0515
April	1.0536	1.0360	1.0455
May	1.0505	1.0364	1.0423
June	1.0651	1.0368	1.0541
July	1.0587	1.0366	1.0488
August	1.0494	1.0259	1.0395
September	1.0352	1.0191	1.0281
October	1.0377	1.0167	1.0283
November	1.0360	1.0223	1.0272
December	1.0408	1.0224	1.0320