2015 BIF to HRK Historical Review

YEARLY HIGH

0.0047 HRK

YEARLY LOW

0.0041 HRK

YEARLY AVERAGE

0.0044 HRK

2015 BIF to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2015

During 2015, the BIF to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on November 30, valuing the pair at 0.0047. Conversely, the yearly low was recorded on January 3, dropping to 0.0041.

This high-to-low spread represents a total annual volatility of 0.0006 HRK. From a start-to-finish perspective, comparing the January average rate of 0.0042 to the December average rate of 0.0045, the exchange rate registered a net change of 6.81% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2015 high of 0.0047 was up 15.17% compared to the 2014 peak of 0.0040, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

Comparing the value generated converting 5,000 BIF based on timing:

Yearly Peak High 23 HRK

2014 Average 19 HRK

Yearly Trough Low 20 HRK

Transaction Impact: A difference of 2.93 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2015.

0.0046

0.0042

JanuMarcMayJulySeptNove

BIF 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 0.0044, compared to 0.0044 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0000 points.

H1 Avg (Jan–Jun) 0.0044

H2 Avg (Jul–Dec) 0.0044

Volatility Range Comparison

Volatility

The most volatile month in 2015 was January, with a trading range of 0.0003 HRK (High: 0.0044 / Low: 0.0041). On the other end, February was the most stable month, with a tight range of 0.0001 HRK (High: 0.0044 / Low: 0.0043).

January Spread (Volatile) ±0.0003

February Spread (Stable) ±0.0001

Growth Streaks & Declines

Trends

Between January and March, 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 April and May, when the average rate fell by 0.0002 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0002

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (November 2015: 0.0045) against the same month in 2014 (average: 0.0039), the exchange rate shifted by +0.0006 (+15.57%).

2015 Avg (November) 0.0045

2014 Avg (November) 0.0039

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0044	0.0041	0.0042
February	0.0044	0.0043	0.0043
March	0.0046	0.0044	0.0045
April	0.0046	0.0043	0.0045
May	0.0044	0.0042	0.0043
June	0.0044	0.0042	0.0043
July	0.0044	0.0042	0.0043
August	0.0045	0.0042	0.0044
September	0.0044	0.0043	0.0043
October	0.0044	0.0043	0.0044
November	0.0047	0.0044	0.0045
December	0.0046	0.0045	0.0045