2024 HRK to TOP Historical Review

YEARLY HIGH

0.3496 TOP

YEARLY LOW

0.3290 TOP

YEARLY AVERAGE

0.3401 TOP

2024 HRK to TOP Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2024

During 2024, the HRK to TOP exchange rate experienced significant fluctuation. The market reached its absolute peak on August 23, valuing the pair at 0.3496. Conversely, the yearly low was recorded on December 18, dropping to 0.3290.

This high-to-low spread represents a total annual volatility of 0.0206 TOP. From a start-to-finish perspective, comparing the January average rate of 0.3410 to the December average rate of 0.3328, the exchange rate registered a net change of -2.41% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2024 high of 0.3496 was down 0.27% compared to the 2023 peak of 0.3505, 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 1,748 TOP

2023 Average 1,695 TOP

Yearly Trough Low 1,645 TOP

Transaction Impact: A difference of 103.01 TOP purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2024.

0.3471

0.3315

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 0.3396, compared to 0.3406 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0010 points.

H1 Avg (Jan–Jun) 0.3396

H2 Avg (Jul–Dec) 0.3406

Volatility Range Comparison

Volatility

The most volatile month in 2024 was November, with a trading range of 0.0139 TOP (High: 0.3452 / Low: 0.3314). On the other end, January was the most stable month, with a tight range of 0.0038 TOP (High: 0.3423 / Low: 0.3385).

November Spread (Volatile) ±0.0139

January Spread (Stable) ±0.0038

Growth Streaks & Declines

Trends

Between June and August, 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 October and November, when the average rate fell by 0.0045 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0045

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (August 2024: 0.3458) against the same month in 2023 (average: 0.3443), the exchange rate shifted by +0.0015 (+0.45%).

2024 Avg (August) 0.3458

2023 Avg (August) 0.3443

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.3423	0.3385	0.3410
February	0.3425	0.3362	0.3392
March	0.3445	0.3387	0.3416
April	0.3434	0.3359	0.3392
May	0.3423	0.3381	0.3398
June	0.3418	0.3347	0.3369
July	0.3437	0.3366	0.3408
August	0.3496	0.3408	0.3458
September	0.3475	0.3428	0.3457
October	0.3444	0.3395	0.3416
November	0.3452	0.3314	0.3371
December	0.3363	0.3290	0.3328