2015 HRK to PEN Historical Review

YEARLY HIGH

0.5009 PEN

YEARLY LOW

0.4267 PEN

YEARLY AVERAGE

0.4641 PEN

2015 HRK to PEN Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2015

During 2015, the HRK to PEN exchange rate experienced significant fluctuation. The market reached its absolute peak on August 24, valuing the pair at 0.5009. Conversely, the yearly low was recorded on March 14, dropping to 0.4267.

This high-to-low spread represents a total annual volatility of 0.0742 PEN. From a start-to-finish perspective, comparing the January average rate of 0.4547 to the December average rate of 0.4820, the exchange rate registered a net change of 6.01% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2015 high of 0.5009 was down 2.62% compared to the 2014 peak of 0.5144, 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 2,504 PEN

2014 Average 2,469 PEN

Yearly Trough Low 2,134 PEN

Transaction Impact: A difference of 370.88 PEN purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2015.

0.4863

0.4341

JanuMarcMayJulySeptNove

HRK to PEN 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 0.4539, compared to 0.4742 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0203 points.

H1 Avg (Jan–Jun) 0.4539

H2 Avg (Jul–Dec) 0.4742

Volatility Range Comparison

Volatility

The most volatile month in 2015 was August, with a trading range of 0.0417 PEN (High: 0.5009 / Low: 0.4592). On the other end, February was the most stable month, with a tight range of 0.0074 PEN (High: 0.4565 / Low: 0.4491).

August Spread (Volatile) ±0.0417

February Spread (Stable) ±0.0074

Growth Streaks & Declines

Trends

Between March and June, 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 February and March, when the average rate fell by 0.0150 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0150

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (August 2015: 0.4768) against the same month in 2014 (average: 0.4911), the exchange rate shifted by -0.0143 (-2.91%).

2015 Avg (August) 0.4768

2014 Avg (August) 0.4911

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.4718	0.4364	0.4547
February	0.4565	0.4491	0.4534
March	0.4520	0.4267	0.4384
April	0.4617	0.4363	0.4435
May	0.4782	0.4541	0.4648
June	0.4754	0.4557	0.4687
July	0.4679	0.4529	0.4615
August	0.5009	0.4592	0.4768
September	0.4859	0.4697	0.4763
October	0.4856	0.4718	0.4777
November	0.4764	0.4672	0.4709
December	0.4881	0.4682	0.4820