2026 HRK to BOB Historical Review

YEARLY HIGH

1.8121 BOB

YEARLY LOW

1.0411 BOB

YEARLY AVERAGE

1.1888 BOB

2026 HRK to BOB Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2026

During 2026, the HRK to BOB exchange rate experienced significant fluctuation. The market reached its absolute peak on August 2, valuing the pair at 1.8121. Conversely, the yearly low was recorded on June 25, dropping to 1.0411.

This high-to-low spread represents a total annual volatility of 0.7710 BOB. From a start-to-finish perspective, comparing the January average rate of 1.0770 to the December average rate of 1.8117, the exchange rate registered a net change of 68.21% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2026 high of 1.8121 was up 66.36% compared to the 2025 peak of 1.0893, 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 9,061 BOB

2025 Average 5,186 BOB

Yearly Trough Low 5,206 BOB

Transaction Impact: A difference of 3,855.05 BOB purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2026.

1.8873

0.9806

JanuMarcMayJuly

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 1.0698, compared to 1.5456 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.4758 points.

H1 Avg (Jan–Jun) 1.0698

H2 Avg (Jul–Dec) 1.5456

Volatility Range Comparison

Volatility

The most volatile month in 2026 was July, with a trading range of 0.7500 BOB (High: 1.7968 / Low: 1.0467). On the other end, August was the most stable month, with a tight range of 0.0009 BOB (High: 1.8121 / Low: 1.8112).

July Spread (Volatile) ±0.7500

August Spread (Stable) ±0.0009

Growth Streaks & Declines

Trends

Between June and August, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 2 straight months. Conversely, the sharpest month-over-month decline occurred between February and March, when the average rate fell by 0.0240 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0240

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (August 2026: 1.8117) against the same month in 2025 (average: 1.0683), the exchange rate shifted by +0.7434 (+69.58%).

2026 Avg (August) 1.8117

2025 Avg (August) 1.0683

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	1.1011	1.0636	1.0770
February	1.0954	1.0781	1.0844
March	1.0768	1.0470	1.0604
April	1.0844	1.0532	1.0719
May	1.0752	1.0664	1.0691
June	1.0681	1.0411	1.0561
July	1.7968	1.0467	1.2796
August	1.8121	1.8112	1.8117