2016 HNL to HRK Historical Review

YEARLY HIGH

0.3173 HRK

YEARLY LOW

0.2889 HRK

YEARLY AVERAGE

0.2990 HRK

2016 HNL to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2016

During 2016, the HNL to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on January 5, valuing the pair at 0.3173. Conversely, the yearly low was recorded on August 23, dropping to 0.2889.

This high-to-low spread represents a total annual volatility of 0.0285 HRK. From a start-to-finish perspective, comparing the January average rate of 0.3141 to the December average rate of 0.3066, the exchange rate registered a net change of -2.40% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2016 high of 0.3173 was down 6.71% compared to the 2015 peak of 0.3402, 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 1,587 HRK

2015 Average 1,581 HRK

Yearly Trough Low 1,444 HRK

Transaction Impact: A difference of 142.38 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2016.

0.3164

0.2898

JanuMarcMayJulySeptNove

HNL 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 0.3001, compared to 0.2980 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0021 points.

H1 Avg (Jan–Jun) 0.3001

H2 Avg (Jul–Dec) 0.2980

Volatility Range Comparison

Volatility

The most volatile month in 2016 was March, with a trading range of 0.0163 HRK (High: 0.3092 / Low: 0.2929). On the other end, September was the most stable month, with a tight range of 0.0039 HRK (High: 0.2945 / Low: 0.2906).

March Spread (Volatile) ±0.0163

September Spread (Stable) ±0.0039

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 January and February, when the average rate fell by 0.0095 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.0095

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2016: 0.3141) against the same month in 2015 (average: 0.3140), the exchange rate shifted by +0.0002 (+0.06%).

2016 Avg (January) 0.3141

2015 Avg (January) 0.3140

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.3173	0.3118	0.3141
February	0.3133	0.2993	0.3047
March	0.3092	0.2929	0.3002
April	0.2955	0.2908	0.2929
May	0.2982	0.2889	0.2938
June	0.3004	0.2906	0.2947
July	0.2986	0.2942	0.2970
August	0.2947	0.2889	0.2921
September	0.2945	0.2906	0.2926
October	0.3025	0.2915	0.2974
November	0.3078	0.2937	0.3023
December	0.3106	0.3020	0.3066