2016 DJF to HRK Historical Review

YEARLY HIGH

0.0408 HRK

YEARLY LOW

0.0368 HRK

YEARLY AVERAGE

0.0383 HRK

2016 DJF to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2016

During 2016, the DJF to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on December 28, valuing the pair at 0.0408. Conversely, the yearly low was recorded on May 2, dropping to 0.0368.

This high-to-low spread represents a total annual volatility of 0.0040 HRK. From a start-to-finish perspective, comparing the January average rate of 0.0397 to the December average rate of 0.0401, the exchange rate registered a net change of 1.05% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2016 high of 0.0408 was down 0.12% compared to the 2015 peak of 0.0408, 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

2015 Average 193 HRK

Yearly Trough Low 184 HRK

Transaction Impact: A difference of 20.14 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2016.

0.0404

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 0.0381, compared to 0.0385 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0004 points.

H1 Avg (Jan–Jun) 0.0381

H2 Avg (Jul–Dec) 0.0385

Volatility Range Comparison

Volatility

The most volatile month in 2016 was November, with a trading range of 0.0022 HRK (High: 0.0401 / Low: 0.0378). On the other end, September was the most stable month, with a tight range of 0.0004 HRK (High: 0.0379 / Low: 0.0375).

November Spread (Volatile) ±0.0022

September Spread (Stable) ±0.0004

Growth Streaks & Declines

Trends

Between August and December, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 4 straight months. Conversely, the sharpest month-over-month decline occurred between March and April, when the average rate fell by 0.0010 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.0010

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2016: 0.0401) against the same month in 2015 (average: 0.0395), the exchange rate shifted by +0.0006 (+1.59%).

2016 Avg (December) 0.0401

2015 Avg (December) 0.0395

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0400	0.0394	0.0397
February	0.0397	0.0380	0.0387
March	0.0394	0.0372	0.0382
April	0.0375	0.0369	0.0372
May	0.0379	0.0368	0.0374
June	0.0384	0.0371	0.0376
July	0.0385	0.0378	0.0381
August	0.0380	0.0372	0.0376
September	0.0379	0.0375	0.0377
October	0.0388	0.0376	0.0383
November	0.0401	0.0378	0.0391
December	0.0408	0.0393	0.0401