2015 HRK to SBD Historical Review

YEARLY HIGH

1.2167 SBD

YEARLY LOW

1.0729 SBD

YEARLY AVERAGE

1.1461 SBD

2015 HRK to SBD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2015

During 2015, the HRK to SBD exchange rate experienced significant fluctuation. The market reached its absolute peak on August 24, valuing the pair at 1.2167. Conversely, the yearly low was recorded on March 16, dropping to 1.0729.

This high-to-low spread represents a total annual volatility of 0.1438 SBD. From a start-to-finish perspective, comparing the January average rate of 1.1512 to the December average rate of 1.1555, the exchange rate registered a net change of 0.37% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2015 high of 1.2167 was down 9.31% compared to the 2014 peak of 1.3416, 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 6,083 SBD

2014 Average 6,361 SBD

Yearly Trough Low 5,365 SBD

Transaction Impact: A difference of 718.83 SBD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2015.

1.1878

1.0914

JanuMarcMayJulySeptNove

HRK to SBD 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 1.1330, compared to 1.1592 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0263 points.

H1 Avg (Jan–Jun) 1.1330

H2 Avg (Jul–Dec) 1.1592

Volatility Range Comparison

Volatility

The most volatile month in 2015 was January, with a trading range of 0.0881 SBD (High: 1.1956 / Low: 1.1075). On the other end, September was the most stable month, with a tight range of 0.0317 SBD (High: 1.1974 / Low: 1.1656).

January Spread (Volatile) ±0.0881

September Spread (Stable) ±0.0317

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 October and November, when the average rate fell by 0.0458 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0458

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (August 2015: 1.1743) against the same month in 2014 (average: 1.2624), the exchange rate shifted by -0.0880 (-6.97%).

2015 Avg (August) 1.1743

2014 Avg (August) 1.2624

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	1.1956	1.1075	1.1512
February	1.1606	1.1184	1.1365
March	1.1230	1.0729	1.0994
April	1.1358	1.0851	1.1044
May	1.1702	1.1080	1.1404
June	1.1818	1.1196	1.1660
July	1.1640	1.1245	1.1471
August	1.2167	1.1416	1.1743
September	1.1974	1.1656	1.1798
October	1.2023	1.1388	1.1722
November	1.1481	1.1067	1.1264
December	1.1711	1.1178	1.1555