YEARLY HIGH
1.8590 BOB
YEARLY LOW
1.0411 BOB
YEARLY AVERAGE
1.1910 BOB

2026 HRK to BOB Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2026

During 2026, the HRK to BOB exchange rate experienced significant fluctuation. The market reached its absolute peak on August 5, valuing the pair at 1.8590. Conversely, the yearly low was recorded on June 25, dropping to 1.0411.

This high-to-low spread represents a total annual volatility of 0.8179 BOB. From a start-to-finish perspective, comparing the January average rate of 1.0770 to the December average rate of 1.8299, the exchange rate registered a net change of 69.91% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2026 high of 1.8590 was up 70.66% compared to the 2025 peak of 1.0893, 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 9,295 BOB
2025 Average 5,186 BOB
Yearly Trough Low 5,206 BOB
Transaction Impact: A difference of 4,089.35 BOB purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2026.

1.9073
0.9787
JanuMarcMayJuly

HRK to BOB 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: JanтАУJun) was 1.0698, compared to 1.5548 in the second half (H2: JulтАУDec). This shows that the rate was stronger in the second half (JulтАУDec) by a margin of 0.4850 points.

H1 Avg (JanтАУJun) 1.0698
H2 Avg (JulтАУDec) 1.5548

Volatility Range Comparison

Volatility

The most volatile month in 2026 was July, with a trading range of 0.7500 BOB (High: 1.7968 / Low: 1.0467). On the other end, May was the most stable month, with a tight range of 0.0088 BOB (High: 1.0752 / Low: 1.0664).

July Spread (Volatile) ┬▒0.7500
May Spread (Stable) ┬▒0.0088

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 February and March, when the average rate fell by 0.0240 points.

Longest Streak 2 Mo.
Sharpest MoM Drop -0.0240

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (August 2026: 1.8299) against the same month in 2025 (average: 1.0683), the exchange rate shifted by +0.7616 (+71.29%).

2026 Avg (August) 1.8299
2025 Avg (August) 1.0683

рдорд╛рд╕рд┐рдХ рд╡рд┐рд╢реНрд▓реЗрд╖рдг

рдкреНрд░рддреНрдпреЗрдХ рдХреЕрд▓реЗрдВрдбрд░ рдорд╣рд┐рдиреНрдпрд╛рд╕рд╛рдареА рд╕рд╛рдВрдЦреНрдпрд┐рдХреАрдп рд╕рд╛рд░рд╛рдВрд╢.

Month High Low Average
January 1.1011 1.0636 1.0770
February 1.0954 1.0781 1.0844
March 1.0768 1.0470 1.0604
April 1.0844 1.0532 1.0719
May 1.0752 1.0664 1.0691
June 1.0681 1.0411 1.0561
July 1.7968 1.0467 1.2796
August 1.8590 1.8097 1.8299