2019 HRK to BZD Historical Review

YEARLY HIGH

0.3137 BZD

YEARLY LOW

0.2964 BZD

YEARLY AVERAGE

0.3041 BZD

2019 HRK to BZD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2019

During 2019, the HRK to BZD exchange rate experienced significant fluctuation. The market reached its absolute peak on January 9, valuing the pair at 0.3137. Conversely, the yearly low was recorded on October 1, dropping to 0.2964.

This high-to-low spread represents a total annual volatility of 0.0173 BZD. From a start-to-finish perspective, comparing the January average rate of 0.3096 to the December average rate of 0.3009, 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 0.3137 was down 7.26% compared to the 2018 peak of 0.3383, 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 1,569 BZD

2018 Average 1,601 BZD

Yearly Trough Low 1,482 BZD

Transaction Impact: A difference of 86.72 BZD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2019.

0.3107

0.2984

JanuMarcMayJulySeptNove

HRK to BZD 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 0.3068, compared to 0.3015 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0053 points.

H1 Avg (Jan–Jun) 0.3068

H2 Avg (Jul–Dec) 0.3015

Volatility Range Comparison

Volatility

The most volatile month in 2019 was March, with a trading range of 0.0087 BZD (High: 0.3104 / Low: 0.3017). On the other end, November was the most stable month, with a tight range of 0.0040 BZD (High: 0.3020 / Low: 0.2980).

March Spread (Volatile) ±0.0087

November Spread (Stable) ±0.0040

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 0.0034 points.

Longest Streak 1 Mo.

Sharpest MoM Drop -0.0034

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2019: 0.3096) against the same month in 2018 (average: 0.3298), the exchange rate shifted by -0.0202 (-6.12%).

2019 Avg (January) 0.3096

2018 Avg (January) 0.3298

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.3137	0.3067	0.3096
February	0.3116	0.3060	0.3086
March	0.3104	0.3017	0.3065
April	0.3066	0.3017	0.3045
May	0.3064	0.3023	0.3040
June	0.3105	0.3025	0.3074
July	0.3088	0.3023	0.3059
August	0.3060	0.2993	0.3032
September	0.3019	0.2971	0.2998
October	0.3025	0.2964	0.2996
November	0.3020	0.2980	0.2994
December	0.3038	0.2980	0.3009