2015 DJF to HRK Historical Review

YEARLY HIGH

0.0408 HRK

YEARLY LOW

0.0356 HRK

YEARLY AVERAGE

0.0386 HRK

2015 DJF to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2015

During 2015, the DJF to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on March 15, valuing the pair at 0.0408. Conversely, the yearly low was recorded on January 1, dropping to 0.0356.

This high-to-low spread represents a total annual volatility of 0.0053 HRK. From a start-to-finish perspective, comparing the January average rate of 0.0372 to the December average rate of 0.0395, the exchange rate registered a net change of 6.12% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2015 high of 0.0408 was up 15.38% compared to the 2014 peak of 0.0354, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 204 HRK

2014 Average 161 HRK

Yearly Trough Low 178 HRK

Transaction Impact: A difference of 26.32 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2015.

0.0401

0.0369

JanuMarcMayJulySeptNove

DJF 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 0.0385, compared to 0.0388 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0003 points.

H1 Avg (Jan–Jun) 0.0385

H2 Avg (Jul–Dec) 0.0388

Volatility Range Comparison

Volatility

The most volatile month in 2015 was January, with a trading range of 0.0032 HRK (High: 0.0388 / Low: 0.0356). On the other end, February was the most stable month, with a tight range of 0.0006 HRK (High: 0.0384 / Low: 0.0378).

January Spread (Volatile) ±0.0032

February Spread (Stable) ±0.0006

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 0.0014 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0014

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (March 2015: 0.0397) against the same month in 2014 (average: 0.0311), the exchange rate shifted by +0.0086 (+27.61%).

2015 Avg (March) 0.0397

2014 Avg (March) 0.0311

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0388	0.0356	0.0372
February	0.0384	0.0378	0.0381
March	0.0408	0.0385	0.0397
April	0.0403	0.0382	0.0396
May	0.0392	0.0371	0.0382
June	0.0391	0.0376	0.0380
July	0.0395	0.0382	0.0388
August	0.0391	0.0368	0.0382
September	0.0385	0.0375	0.0380
October	0.0391	0.0375	0.0383
November	0.0406	0.0388	0.0399
December	0.0405	0.0391	0.0395