2015 HRK to TOP Historical Review

YEARLY HIGH

0.3396 TOP

YEARLY LOW

0.2776 TOP

YEARLY AVERAGE

0.3091 TOP

2015 HRK to TOP Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2015

During 2015, the HRK to TOP exchange rate experienced significant fluctuation. The market reached its absolute peak on August 24, valuing the pair at 0.3396. Conversely, the yearly low was recorded on March 15, dropping to 0.2776.

This high-to-low spread represents a total annual volatility of 0.0620 TOP. From a start-to-finish perspective, comparing the January average rate of 0.2998 to the December average rate of 0.3200, the exchange rate registered a net change of 6.74% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2015 high of 0.3396 was up 0.01% compared to the 2014 peak of 0.3395, 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 1,698 TOP

2014 Average 1,641 TOP

Yearly Trough Low 1,388 TOP

Transaction Impact: A difference of 309.90 TOP purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2015.

0.3327

0.2815

JanuMarcMayJulySeptNove

HRK to TOP 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 0.2965, compared to 0.3217 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0252 points.

H1 Avg (Jan–Jun) 0.2965

H2 Avg (Jul–Dec) 0.3217

Volatility Range Comparison

Volatility

The most volatile month in 2015 was June, with a trading range of 0.0224 TOP (High: 0.3198 / Low: 0.2974). On the other end, February was the most stable month, with a tight range of 0.0103 TOP (High: 0.3012 / Low: 0.2910).

June Spread (Volatile) ±0.0224

February Spread (Stable) ±0.0103

Growth Streaks & Declines

Trends

Between March and August, 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 October and November, when the average rate fell by 0.0144 points.

Longest Streak 5 Mo.

Sharpest MoM Drop -0.0144

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (August 2015: 0.3275) against the same month in 2014 (average: 0.3242), the exchange rate shifted by +0.0033 (+1.02%).

2015 Avg (August) 0.3275

2014 Avg (August) 0.3242

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.3103	0.2895	0.2998
February	0.3012	0.2910	0.2958
March	0.2914	0.2776	0.2858
April	0.2987	0.2831	0.2882
May	0.3080	0.2918	0.2993
June	0.3198	0.2974	0.3098
July	0.3218	0.3066	0.3137
August	0.3396	0.3195	0.3275
September	0.3384	0.3161	0.3265
October	0.3363	0.3186	0.3284
November	0.3210	0.3099	0.3140
December	0.3280	0.3120	0.3200