2019 HRK to TOP Historical Review

YEARLY HIGH

0.3527 TOP

YEARLY LOW

0.3330 TOP

YEARLY AVERAGE

0.3457 TOP

2019 HRK to TOP Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2019

During 2019, the HRK to TOP exchange rate experienced significant fluctuation. The market reached its absolute peak on January 9, valuing the pair at 0.3527. Conversely, the yearly low was recorded on April 1, dropping to 0.3330.

This high-to-low spread represents a total annual volatility of 0.0197 TOP. From a start-to-finish perspective, comparing the January average rate of 0.3485 to the December average rate of 0.3434, the exchange rate registered a net change of -1.48% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2019 high of 0.3527 was down 6.17% compared to the 2018 peak of 0.3759, 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 1,763 TOP

2018 Average 1,809 TOP

Yearly Trough Low 1,665 TOP

Transaction Impact: A difference of 98.59 TOP purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2019.

0.3496

0.3424

JanuMarcMayJulySeptNove

HRK to TOP 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 0.3460, compared to 0.3454 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0007 points.

H1 Avg (Jan–Jun) 0.3460

H2 Avg (Jul–Dec) 0.3454

Volatility Range Comparison

Volatility

The most volatile month in 2019 was April, with a trading range of 0.0139 TOP (High: 0.3469 / Low: 0.3330). On the other end, February was the most stable month, with a tight range of 0.0032 TOP (High: 0.3475 / Low: 0.3443).

April Spread (Volatile) ±0.0139

February Spread (Stable) ±0.0032

Growth Streaks & Declines

Trends

Between April and June, 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 June and July, when the average rate fell by 0.0033 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0033

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2019: 0.3485) against the same month in 2018 (average: 0.3687), the exchange rate shifted by -0.0202 (-5.48%).

2019 Avg (January) 0.3485

2018 Avg (January) 0.3687

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.3527	0.3445	0.3485
February	0.3475	0.3443	0.3456
March	0.3482	0.3417	0.3444
April	0.3469	0.3330	0.3430
May	0.3476	0.3438	0.3456
June	0.3526	0.3456	0.3490
July	0.3483	0.3426	0.3457
August	0.3522	0.3448	0.3481
September	0.3477	0.3391	0.3449
October	0.3492	0.3436	0.3457
November	0.3471	0.3404	0.3442
December	0.3460	0.3416	0.3434