YEARLY HIGH
4.1170 HRK
YEARLY LOW
2.7206 HRK
YEARLY AVERAGE
3.1529 HRK

2015 GEL to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2015

During 2015, the GEL to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on March 15, valuing the pair at 4.1170. Conversely, the yearly low was recorded on September 17, dropping to 2.7206.

This high-to-low spread represents a total annual volatility of 1.3964 HRK. From a start-to-finish perspective, comparing the January average rate of 3.7457 to the December average rate of 2.9277, the exchange rate registered a net change of -21.84% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2015 high of 4.1170 was up 14.92% compared to the 2014 peak of 3.5824, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 20,585 HRK
2014 Average 16,346 HRK
Yearly Trough Low 13,603 HRK
Transaction Impact: A difference of 6,982.02 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2015.

3.9481
2.7130
JanuMarcMayJulySeptNove

GEL 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 3.3858, compared to 2.9199 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.4659 points.

H1 Avg (Jan–Jun) 3.3858
H2 Avg (Jul–Dec) 2.9199

Volatility Range Comparison

Volatility

The most volatile month in 2015 was March, with a trading range of 0.9760 HRK (High: 4.1170 / Low: 3.1410). On the other end, February was the most stable month, with a tight range of 0.0743 HRK (High: 3.8824 / Low: 3.8081).

March Spread (Volatile) ±0.9760
February Spread (Stable) ±0.0743

Growth Streaks & Declines

Trends

Between May and July, 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 March and April, when the average rate fell by 0.5939 points.

Longest Streak 2 Mo.
Sharpest MoM Drop -0.5939

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (March 2015: 3.7056) against the same month in 2014 (average: 3.1648), the exchange rate shifted by +0.5407 (+17.09%).

2015 Avg (March) 3.7056
2014 Avg (March) 3.1648

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 3.9011 3.6005 3.7457
February 3.8824 3.8081 3.8451
March 4.1170 3.1410 3.7056
April 3.1928 2.9182 3.1116
May 3.0404 2.7904 2.9200
June 3.0338 2.9391 2.9869
July 3.1010 3.0227 3.0546
August 3.0498 2.7275 2.9232
September 2.8778 2.7206 2.8159
October 2.9172 2.7889 2.8446
November 3.0100 2.8754 2.9536
December 3.0048 2.8947 2.9277