2016 HRK to BAM Historical Review

YEARLY HIGH

0.2628 BAM

YEARLY LOW

0.2549 BAM

YEARLY AVERAGE

0.2598 BAM

2016 HRK to BAM Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2016

During 2016, the HRK to BAM exchange rate experienced significant fluctuation. The market reached its absolute peak on August 7, valuing the pair at 0.2628. Conversely, the yearly low was recorded on January 22, dropping to 0.2549.

This high-to-low spread represents a total annual volatility of 0.0079 BAM. From a start-to-finish perspective, comparing the January average rate of 0.2554 to the December average rate of 0.2596, the exchange rate registered a net change of 1.65% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2016 high of 0.2628 was up 0.76% compared to the 2015 peak of 0.2608, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 1,314 BAM

2015 Average 1,285 BAM

Yearly Trough Low 1,274 BAM

Transaction Impact: A difference of 39.34 BAM purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2016.

0.2623

0.2548

JanuMarcMayJulySeptNove

HRK to BAM 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 0.2587, compared to 0.2608 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0021 points.

H1 Avg (Jan–Jun) 0.2587

H2 Avg (Jul–Dec) 0.2608

Volatility Range Comparison

Volatility

The most volatile month in 2016 was March, with a trading range of 0.0032 BAM (High: 0.2601 / Low: 0.2570). On the other end, October was the most stable month, with a tight range of 0.0008 BAM (High: 0.2612 / Low: 0.2604).

March Spread (Volatile) ±0.0032

October Spread (Stable) ±0.0008

Growth Streaks & Declines

Trends

Between January and April, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 3 straight months. Conversely, the sharpest month-over-month decline occurred between November and December, when the average rate fell by 0.0008 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0008

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (August 2016: 0.2616) against the same month in 2015 (average: 0.2588), the exchange rate shifted by +0.0028 (+1.10%).

2016 Avg (August) 0.2616

2015 Avg (August) 0.2588

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.2561	0.2549	0.2554
February	0.2567	0.2549	0.2561
March	0.2601	0.2570	0.2589
April	0.2617	0.2603	0.2609
May	0.2614	0.2603	0.2608
June	0.2612	0.2594	0.2601
July	0.2619	0.2603	0.2613
August	0.2628	0.2611	0.2616
September	0.2621	0.2604	0.2612
October	0.2612	0.2604	0.2609
November	0.2612	0.2596	0.2604
December	0.2612	0.2588	0.2596