2019 ZAR to HRK Historical Review

YEARLY HIGH

0.4889 HRK

YEARLY LOW

0.4291 HRK

YEARLY AVERAGE

0.4590 HRK

2019 ZAR to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2019

During 2019, the ZAR to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on January 31, valuing the pair at 0.4889. Conversely, the yearly low was recorded on August 25, dropping to 0.4291.

This high-to-low spread represents a total annual volatility of 0.0598 HRK. From a start-to-finish perspective, comparing the January average rate of 0.4704 to the December average rate of 0.4655, the exchange rate registered a net change of -1.04% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2019 high of 0.4889 was down 6.63% compared to the 2018 peak of 0.5236, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

Comparing the value generated converting 50,000 ZAR based on timing:

Yearly Peak High 24,445 HRK

2018 Average 23,831 HRK

Yearly Trough Low 21,453 HRK

Transaction Impact: A difference of 2,991.61 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2019.

0.4768

0.4342

JanuMarcMayJulySeptNove

ZAR to HRK 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 0.4630, compared to 0.4550 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0080 points.

H1 Avg (Jan–Jun) 0.4630

H2 Avg (Jul–Dec) 0.4550

Volatility Range Comparison

Volatility

The most volatile month in 2019 was January, with a trading range of 0.0399 HRK (High: 0.4889 / Low: 0.4490). On the other end, March was the most stable month, with a tight range of 0.0131 HRK (High: 0.4633 / Low: 0.4502).

January Spread (Volatile) ±0.0399

March Spread (Stable) ±0.0131

Growth Streaks & Declines

Trends

Between October and December, 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 July and August, when the average rate fell by 0.0309 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0309

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2019: 0.4704) against the same month in 2018 (average: 0.5000), the exchange rate shifted by -0.0296 (-5.91%).

2019 Avg (January) 0.4704

2018 Avg (January) 0.5000

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.4889	0.4490	0.4704
February	0.4858	0.4641	0.4733
March	0.4633	0.4502	0.4565
April	0.4736	0.4605	0.4677
May	0.4657	0.4507	0.4600
June	0.4620	0.4376	0.4502
July	0.4774	0.4634	0.4686
August	0.4558	0.4291	0.4377
September	0.4583	0.4421	0.4520
October	0.4610	0.4421	0.4516
November	0.4607	0.4441	0.4549
December	0.4750	0.4534	0.4655