2025 HRK to BZD Historical Review

YEARLY HIGH

0.3173 BZD

YEARLY LOW

0.2729 BZD

YEARLY AVERAGE

0.3013 BZD

2025 HRK to BZD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the HRK to BZD exchange rate experienced significant fluctuation. The market reached its absolute peak on September 16, valuing the pair at 0.3173. Conversely, the yearly low was recorded on February 3, dropping to 0.2729.

This high-to-low spread represents a total annual volatility of 0.0445 BZD. From a start-to-finish perspective, comparing the January average rate of 0.2759 to the December average rate of 0.3128, the exchange rate registered a net change of 13.36% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2025 high of 0.3173 was up 5.94% compared to the 2024 peak of 0.2995, 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 1,587 BZD

2024 Average 1,447 BZD

Yearly Trough Low 1,364 BZD

Transaction Impact: A difference of 222.41 BZD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

0.3169

0.2722

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 0.2915, compared to 0.3112 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0196 points.

H1 Avg (Jan–Jun) 0.2915

H2 Avg (Jul–Dec) 0.3112

Volatility Range Comparison

Volatility

The most volatile month in 2025 was April, with a trading range of 0.0188 BZD (High: 0.3068 / Low: 0.2880). On the other end, November was the most stable month, with a tight range of 0.0037 BZD (High: 0.3103 / Low: 0.3066).

April Spread (Volatile) ±0.0188

November Spread (Stable) ±0.0037

Growth Streaks & Declines

Trends

Between January and July, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 6 straight months. Conversely, the sharpest month-over-month decline occurred between September and October, when the average rate fell by 0.0024 points.

Longest Streak 6 Mo.

Sharpest MoM Drop -0.0024

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (September 2025: 0.3131) against the same month in 2024 (average: 0.2972), the exchange rate shifted by +0.0159 (+5.35%).

2025 Avg (September) 0.3131

2024 Avg (September) 0.2972

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.2799	0.2731	0.2759
February	0.2803	0.2729	0.2777
March	0.2916	0.2765	0.2877
April	0.3068	0.2880	0.2996
May	0.3036	0.2953	0.3009
June	0.3142	0.3025	0.3074
July	0.3148	0.3044	0.3115
August	0.3124	0.3042	0.3104
September	0.3173	0.3105	0.3131
October	0.3136	0.3082	0.3107
November	0.3103	0.3066	0.3084
December	0.3148	0.3103	0.3128