2016 HRK to PEN Historical Review

YEARLY HIGH

0.5193 PEN

YEARLY LOW

0.4633 PEN

YEARLY AVERAGE

0.4960 PEN

2016 HRK to PEN Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2016

During 2016, the HRK to PEN exchange rate experienced significant fluctuation. The market reached its absolute peak on February 11, valuing the pair at 0.5193. Conversely, the yearly low was recorded on December 28, dropping to 0.4633.

This high-to-low spread represents a total annual volatility of 0.0560 PEN. From a start-to-finish perspective, comparing the January average rate of 0.4876 to the December average rate of 0.4750, the exchange rate registered a net change of -2.58% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2016 high of 0.5193 was up 3.68% compared to the 2015 peak of 0.5009, 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 2,597 PEN

2015 Average 2,321 PEN

Yearly Trough Low 2,316 PEN

Transaction Impact: A difference of 280.22 PEN purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2016.

0.5133

0.4715

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 0.4994, compared to 0.4925 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0069 points.

H1 Avg (Jan–Jun) 0.4994

H2 Avg (Jul–Dec) 0.4925

Volatility Range Comparison

Volatility

The most volatile month in 2016 was November, with a trading range of 0.0258 PEN (High: 0.5019 / Low: 0.4762). On the other end, September was the most stable month, with a tight range of 0.0090 PEN (High: 0.5103 / Low: 0.5013).

November Spread (Volatile) ±0.0258

September Spread (Stable) ±0.0090

Growth Streaks & Declines

Trends

Between July and September, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 2 straight months. Conversely, the sharpest month-over-month decline occurred between November and December, when the average rate fell by 0.0136 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0136

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (February 2016: 0.5098) against the same month in 2015 (average: 0.4534), the exchange rate shifted by +0.0564 (+12.43%).

2016 Avg (February) 0.5098

2015 Avg (February) 0.4534

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.4936	0.4814	0.4876
February	0.5193	0.4941	0.5098
March	0.5078	0.4929	0.5017
April	0.5134	0.4896	0.4996
May	0.5081	0.4968	0.5019
June	0.5063	0.4855	0.4961
July	0.5010	0.4834	0.4885
August	0.5061	0.4919	0.4992
September	0.5103	0.5013	0.5055
October	0.5087	0.4875	0.4981
November	0.5019	0.4762	0.4886
December	0.4867	0.4633	0.4750