2025 HRK to BTN Historical Review

YEARLY HIGH

14.1693 BTN

YEARLY LOW

11.6904 BTN

YEARLY AVERAGE

13.0661 BTN

2025 HRK to BTN Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the HRK to BTN exchange rate experienced significant fluctuation. The market reached its absolute peak on December 16, valuing the pair at 14.1693. Conversely, the yearly low was recorded on January 2, dropping to 11.6904.

This high-to-low spread represents a total annual volatility of 2.4789 BTN. From a start-to-finish perspective, comparing the January average rate of 11.8429 to the December average rate of 13.9971, the exchange rate registered a net change of 18.19% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2025 high of 14.1693 was up 13.67% compared to the 2024 peak of 12.4657, 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 70,847 BTN

2024 Average 60,060 BTN

Yearly Trough Low 58,452 BTN

Transaction Impact: A difference of 12,394.59 BTN purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

14.2125

11.6275

JanuMarcMayJulySeptNove

HRK to BTN 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 12.4854, compared to 13.6469 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 1.1616 points.

H1 Avg (Jan–Jun) 12.4854

H2 Avg (Jul–Dec) 13.6469

Volatility Range Comparison

Volatility

The most volatile month in 2025 was April, with a trading range of 0.7272 BTN (High: 13.0109 / Low: 12.2837). On the other end, November was the most stable month, with a tight range of 0.2375 BTN (High: 13.7526 / Low: 13.5151).

April Spread (Volatile) ±0.7272

November Spread (Stable) ±0.2375

Growth Streaks & Declines

Trends

Between January and September, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 8 straight months. Conversely, the sharpest month-over-month decline occurred between September and October, when the average rate fell by 0.0922 points.

Longest Streak 8 Mo.

Sharpest MoM Drop -0.0922

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2025: 13.9971) against the same month in 2024 (average: 11.8061), the exchange rate shifted by +2.1910 (+18.56%).

2025 Avg (December) 13.9971

2024 Avg (December) 11.8061

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	12.0124	11.6904	11.8429
February	12.1603	11.8351	12.0206
March	12.6328	12.0341	12.3949
April	13.0109	12.2837	12.7549
May	12.9181	12.4865	12.7553
June	13.4235	12.8920	13.1435
July	13.5027	13.2258	13.3447
August	13.6728	13.2434	13.5284
September	13.9093	13.6198	13.7424
October	13.8524	13.4872	13.6502
November	13.7526	13.5151	13.6186
December	14.1693	13.8155	13.9971