2018 HRK to SGD Historical Review

YEARLY HIGH

0.2219 SGD

YEARLY LOW

0.2092 SGD

YEARLY AVERAGE

0.2147 SGD

2018 HRK to SGD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2018

During 2018, the HRK to SGD exchange rate experienced significant fluctuation. The market reached its absolute peak on February 4, valuing the pair at 0.2219. Conversely, the yearly low was recorded on December 4, dropping to 0.2092.

This high-to-low spread represents a total annual volatility of 0.0126 SGD. From a start-to-finish perspective, comparing the January average rate of 0.2169 to the December average rate of 0.2106, the exchange rate registered a net change of -2.88% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2018 high of 0.2219 was up 1.41% compared to the 2017 peak of 0.2188, 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 1,109 SGD

2017 Average 1,045 SGD

Yearly Trough Low 1,046 SGD

Transaction Impact: A difference of 63.23 SGD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2018.

0.2200

0.2095

JanuMarcMayJulySeptNove

HRK to SGD 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 0.2165, compared to 0.2129 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0036 points.

H1 Avg (Jan–Jun) 0.2165

H2 Avg (Jul–Dec) 0.2129

Volatility Range Comparison

Volatility

The most volatile month in 2018 was May, with a trading range of 0.0073 SGD (High: 0.2175 / Low: 0.2102). On the other end, July was the most stable month, with a tight range of 0.0017 SGD (High: 0.2162 / Low: 0.2144).

May Spread (Volatile) ±0.0073

July Spread (Stable) ±0.0017

Growth Streaks & Declines

Trends

No sustained consecutive month-over-month growth streak of 2+ months occurred in 2018. Conversely, the sharpest month-over-month decline occurred between April and May, when the average rate fell by 0.0035 points.

Longest Streak 1 Mo.

Sharpest MoM Drop -0.0035

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (February 2018: 0.2192) against the same month in 2017 (average: 0.2023), the exchange rate shifted by +0.0169 (+8.35%).

2018 Avg (February) 0.2192

2017 Avg (February) 0.2023

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.2195	0.2140	0.2169
February	0.2219	0.2168	0.2192
March	0.2204	0.2169	0.2181
April	0.2188	0.2161	0.2177
May	0.2175	0.2102	0.2142
June	0.2156	0.2107	0.2132
July	0.2162	0.2144	0.2154
August	0.2148	0.2105	0.2127
September	0.2164	0.2135	0.2150
October	0.2152	0.2108	0.2135
November	0.2115	0.2093	0.2104
December	0.2115	0.2092	0.2106