2024 HRK to BZD Historical Review

YEARLY HIGH

0.2995 BZD

YEARLY LOW

0.2760 BZD

YEARLY AVERAGE

0.2894 BZD

2024 HRK to BZD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2024

During 2024, the HRK to BZD exchange rate experienced significant fluctuation. The market reached its absolute peak on August 23, valuing the pair at 0.2995. Conversely, the yearly low was recorded on December 31, dropping to 0.2760.

This high-to-low spread represents a total annual volatility of 0.0235 BZD. From a start-to-finish perspective, comparing the January average rate of 0.2918 to the December average rate of 0.2797, the exchange rate registered a net change of -4.15% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2024 high of 0.2995 was down 0.34% compared to the 2023 peak of 0.3006, 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 1,498 BZD

2023 Average 1,446 BZD

Yearly Trough Low 1,380 BZD

Transaction Impact: A difference of 117.56 BZD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2024.

0.2990

0.2779

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 0.2891, compared to 0.2896 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0005 points.

H1 Avg (Jan–Jun) 0.2891

H2 Avg (Jul–Dec) 0.2896

Volatility Range Comparison

Volatility

The most volatile month in 2024 was November, with a trading range of 0.0138 BZD (High: 0.2925 / Low: 0.2787). On the other end, February was the most stable month, with a tight range of 0.0045 BZD (High: 0.2910 / Low: 0.2865).

November Spread (Volatile) ±0.0138

February Spread (Stable) ±0.0045

Growth Streaks & Declines

Trends

Between June and September, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 3 straight months. Conversely, the sharpest month-over-month decline occurred between October and November, when the average rate fell by 0.0074 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0074

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (August 2024: 0.2946) against the same month in 2023 (average: 0.2918), the exchange rate shifted by +0.0028 (+0.96%).

2024 Avg (August) 0.2946

2023 Avg (August) 0.2918

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.2961	0.2886	0.2918
February	0.2910	0.2865	0.2888
March	0.2930	0.2878	0.2905
April	0.2905	0.2840	0.2867
May	0.2913	0.2867	0.2891
June	0.2916	0.2855	0.2879
July	0.2925	0.2872	0.2902
August	0.2995	0.2883	0.2946
September	0.2995	0.2945	0.2972
October	0.2958	0.2884	0.2917
November	0.2925	0.2787	0.2843
December	0.2833	0.2760	0.2797