2016 HRK to JMD Historical Review

YEARLY HIGH

19.2087 JMD

YEARLY LOW

16.9467 JMD

YEARLY AVERAGE

18.3877 JMD

2016 HRK to JMD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2016

During 2016, the HRK to JMD exchange rate experienced significant fluctuation. The market reached its absolute peak on August 20, valuing the pair at 19.2087. Conversely, the yearly low was recorded on January 5, dropping to 16.9467.

This high-to-low spread represents a total annual volatility of 2.2620 JMD. From a start-to-finish perspective, comparing the January average rate of 17.0945 to the December average rate of 18.0244, the exchange rate registered a net change of 5.44% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2016 high of 19.2087 was up 6.34% compared to the 2015 peak of 18.0644, 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 96,044 JMD

2015 Average 85,167 JMD

Yearly Trough Low 84,734 JMD

Transaction Impact: A difference of 11,310.18 JMD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2016.

19.2530

16.8982

JanuMarcMayJulySeptNove

HRK to JMD 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 18.0758, compared to 18.6997 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.6239 points.

H1 Avg (Jan–Jun) 18.0758

H2 Avg (Jul–Dec) 18.6997

Volatility Range Comparison

Volatility

The most volatile month in 2016 was November, with a trading range of 1.0591 JMD (High: 19.1571 / Low: 18.0980). On the other end, September was the most stable month, with a tight range of 0.2224 JMD (High: 19.1350 / Low: 18.9126).

November Spread (Volatile) ±1.0591

September Spread (Stable) ±0.2224

Growth Streaks & Declines

Trends

Between January and June, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 5 straight months. Conversely, the sharpest month-over-month decline occurred between November and December, when the average rate fell by 0.5294 points.

Longest Streak 5 Mo.

Sharpest MoM Drop -0.5294

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (August 2016: 18.9903) against the same month in 2015 (average: 17.2470), the exchange rate shifted by +1.7433 (+10.11%).

2016 Avg (August) 18.9903

2015 Avg (August) 17.2470

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	17.2220	16.9467	17.0945
February	17.9046	17.1883	17.6286
March	18.3822	17.3377	17.9107
April	18.7421	18.3287	18.4482
May	18.8195	18.5014	18.6356
June	19.0124	18.3684	18.7371
July	18.9198	18.5715	18.7000
August	19.2087	18.7770	18.9903
September	19.1350	18.9126	19.0567
October	19.1353	18.6341	18.8729
November	19.1571	18.0980	18.5538
December	18.3626	17.7415	18.0244