2016 HRK to BOB Historical Review

YEARLY HIGH

1.0596 BOB

YEARLY LOW

0.9518 BOB

YEARLY AVERAGE

1.0141 BOB

2016 HRK to BOB Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2016

During 2016, the HRK to BOB exchange rate experienced significant fluctuation. The market reached its absolute peak on May 2, valuing the pair at 1.0596. Conversely, the yearly low was recorded on December 20, dropping to 0.9518.

This high-to-low spread represents a total annual volatility of 0.1078 BOB. From a start-to-finish perspective, comparing the January average rate of 0.9803 to the December average rate of 0.9678, the exchange rate registered a net change of -1.27% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2016 high of 1.0596 was down 2.90% compared to the 2015 peak of 1.0912, 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 5,298 BOB

2015 Average 5,036 BOB

Yearly Trough Low 4,759 BOB

Transaction Impact: A difference of 539.01 BOB purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2016.

1.0474

0.9606

JanuMarcMayJulySeptNove

HRK to BOB 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 1.0167, compared to 1.0115 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0052 points.

H1 Avg (Jan–Jun) 1.0167

H2 Avg (Jul–Dec) 1.0115

Volatility Range Comparison

Volatility

The most volatile month in 2016 was November, with a trading range of 0.0554 BOB (High: 1.0251 / Low: 0.9697). On the other end, January was the most stable month, with a tight range of 0.0136 BOB (High: 0.9866 / Low: 0.9730).

November Spread (Volatile) ±0.0554

January Spread (Stable) ±0.0136

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 0.0258 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0258

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (May 2016: 1.0393) against the same month in 2015 (average: 1.0202), the exchange rate shifted by +0.0190 (+1.87%).

2016 Avg (May) 1.0393

2015 Avg (May) 1.0202

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.9866	0.9730	0.9803
February	1.0219	0.9794	1.0025
March	1.0309	0.9803	1.0079
April	1.0537	1.0299	1.0402
May	1.0596	1.0214	1.0393
June	1.0439	1.0092	1.0300
July	1.0330	1.0133	1.0192
August	1.0487	1.0262	1.0364
September	1.0420	1.0276	1.0347
October	1.0341	1.0031	1.0174
November	1.0251	0.9697	0.9936
December	0.9851	0.9518	0.9678