2019 HRK to JMD Historical Review

YEARLY HIGH

21.1342 JMD

YEARLY LOW

18.9028 JMD

YEARLY AVERAGE

20.1531 JMD

2019 HRK to JMD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2019

During 2019, the HRK to JMD exchange rate experienced significant fluctuation. The market reached its absolute peak on December 12, valuing the pair at 21.1342. Conversely, the yearly low was recorded on March 28, dropping to 18.9028.

This high-to-low spread represents a total annual volatility of 2.2314 JMD. From a start-to-finish perspective, comparing the January average rate of 19.9889 to the December average rate of 20.4504, the exchange rate registered a net change of 2.31% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2019 high of 21.1342 was down 2.09% compared to the 2018 peak of 21.5851, 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 105,671 JMD

2018 Average 102,560 JMD

Yearly Trough Low 94,514 JMD

Transaction Impact: A difference of 11,156.81 JMD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2019.

20.9979

19.0433

JanuMarcMayJulySeptNove

HRK to JMD 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 19.9299, compared to 20.3762 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.4464 points.

H1 Avg (Jan–Jun) 19.9299

H2 Avg (Jul–Dec) 20.3762

Volatility Range Comparison

Volatility

The most volatile month in 2019 was December, with a trading range of 1.4685 JMD (High: 21.1342 / Low: 19.6657). On the other end, November was the most stable month, with a tight range of 0.2240 JMD (High: 20.9276 / Low: 20.7037).

December Spread (Volatile) ±1.4685

November Spread (Stable) ±0.2240

Growth Streaks & Declines

Trends

Between March and May, 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 1.2526 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -1.2526

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2019: 20.4504) against the same month in 2018 (average: 19.6428), the exchange rate shifted by +0.8076 (+4.11%).

2019 Avg (December) 20.4504

2018 Avg (December) 19.6428

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	20.5783	19.3358	19.9889
February	21.0597	19.7759	20.4587
March	19.8047	18.9028	19.2062
April	20.1998	18.9061	19.5932
May	20.7591	20.0741	20.3358
June	20.6265	19.5530	19.9964
July	20.5853	19.9580	20.2581
August	20.4889	20.1163	20.3157
September	20.4905	19.8163	20.1958
October	20.6908	19.7227	20.2024
November	20.9276	20.7037	20.8350
December	21.1342	19.6657	20.4504