2015 HRK to BIF Historical Review

YEARLY HIGH

245.6911 BIF

YEARLY LOW

214.7932 BIF

YEARLY AVERAGE

228.4629 BIF

2015 HRK to BIF Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2015

During 2015, the HRK to BIF exchange rate experienced significant fluctuation. The market reached its absolute peak on January 3, valuing the pair at 245.6911. Conversely, the yearly low was recorded on November 30, dropping to 214.7932.

This high-to-low spread represents a total annual volatility of 30.8980 BIF. From a start-to-finish perspective, comparing the January average rate of 237.1278 to the December average rate of 221.8812, the exchange rate registered a net change of -6.43% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2015 high of 245.6911 was down 13.62% compared to the 2014 peak of 284.4345, 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 1,228,456 BIF

2014 Average 1,350,923 BIF

Yearly Trough Low 1,073,966 BIF

Transaction Impact: A difference of 154,489.77 BIF purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2015.

238.8516

218.1662

JanuMarcMayJulySeptNove

HRK to BIF 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 229.5291, compared to 227.3967 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 2.1324 points.

H1 Avg (Jan–Jun) 229.5291

H2 Avg (Jul–Dec) 227.3967

Volatility Range Comparison

Volatility

The most volatile month in 2015 was January, with a trading range of 17.6420 BIF (High: 245.6911 / Low: 228.0491). On the other end, February was the most stable month, with a tight range of 5.9233 BIF (High: 233.8110 / Low: 227.8877).

January Spread (Volatile) ±17.6420

February Spread (Stable) ±5.9233

Growth Streaks & Declines

Trends

Between March and July, 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 October and November, when the average rate fell by 9.5553 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -9.5553

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2015: 237.1278) against the same month in 2014 (average: 276.4176), the exchange rate shifted by -39.2898 (-14.21%).

2015 Avg (January) 237.1278

2014 Avg (January) 276.4176

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	245.6911	228.0491	237.1278
February	233.8110	227.8877	231.0609
March	228.9620	216.5796	222.4224
April	232.2964	217.3012	222.7466
May	239.4284	225.0962	231.6629
June	237.8367	226.5420	232.1543
July	240.0361	224.8640	233.6435
August	238.1916	223.3099	229.0888
September	234.8195	226.9493	230.4315
October	234.7865	225.3188	229.4452
November	226.9584	214.7932	219.8900
December	224.1558	216.0068	221.8812