2015 HNL to GMD Historical Review

YEARLY HIGH

2.0722 GMD

YEARLY LOW

1.7524 GMD

YEARLY AVERAGE

1.9009 GMD

2015 HNL to GMD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2015

During 2015, the HNL to GMD exchange rate experienced significant fluctuation. The market reached its absolute peak on February 3, valuing the pair at 2.0722. Conversely, the yearly low was recorded on October 24, dropping to 1.7524.

This high-to-low spread represents a total annual volatility of 0.3198 GMD. From a start-to-finish perspective, comparing the January average rate of 2.0393 to the December average rate of 1.8066, the exchange rate registered a net change of -11.41% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2015 high of 2.0722 was down 0.68% compared to the 2014 peak of 2.0864, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 10,361 GMD

2014 Average 9,781 GMD

Yearly Trough Low 8,762 GMD

Transaction Impact: A difference of 1,598.94 GMD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2015.

2.0652

1.7579

JanuMarcMayJulySeptNove

HNL to GMD 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 2.0001, compared to 1.8017 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.1984 points.

H1 Avg (Jan–Jun) 2.0001

H2 Avg (Jul–Dec) 1.8017

Volatility Range Comparison

Volatility

The most volatile month in 2015 was June, with a trading range of 0.1660 GMD (High: 1.9738 / Low: 1.8078). On the other end, May was the most stable month, with a tight range of 0.0138 GMD (High: 1.9695 / Low: 1.9556).

June Spread (Volatile) ±0.1660

May Spread (Stable) ±0.0138

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 June and July, when the average rate fell by 0.1350 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.1350

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (February 2015: 2.0396) against the same month in 2014 (average: 1.9323), the exchange rate shifted by +0.1073 (+5.55%).

2015 Avg (February) 2.0396

2014 Avg (February) 1.9323

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	2.0690	2.0041	2.0393
February	2.0722	2.0240	2.0396
March	2.0498	1.9807	2.0114
April	2.0166	1.9583	1.9976
May	1.9695	1.9556	1.9615
June	1.9738	1.8078	1.9511
July	1.8358	1.8032	1.8161
August	1.8269	1.7932	1.8141
September	1.8652	1.7789	1.8013
October	1.8053	1.7524	1.7835
November	1.8122	1.7693	1.7888
December	1.8257	1.7645	1.8066