2016 JMD to HRK Historical Review

YEARLY HIGH

0.0590 HRK

YEARLY LOW

0.0521 HRK

YEARLY AVERAGE

0.0544 HRK

2016 JMD to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2016

During 2016, the JMD to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on January 5, valuing the pair at 0.0590. Conversely, the yearly low was recorded on August 20, dropping to 0.0521.

This high-to-low spread represents a total annual volatility of 0.0069 HRK. From a start-to-finish perspective, comparing the January average rate of 0.0585 to the December average rate of 0.0555, the exchange rate registered a net change of -5.15% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2016 high of 0.0590 was down 6.27% compared to the 2015 peak of 0.0630, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

Comparing the value generated converting 5,000 JMD based on timing:

Yearly Peak High 295 HRK

2015 Average 294 HRK

Yearly Trough Low 260 HRK

Transaction Impact: A difference of 34.74 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2016.

0.0591

0.0519

JanuMarcMayJulySeptNove

JMD to HRK 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 0.0554, compared to 0.0535 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0019 points.

H1 Avg (Jan–Jun) 0.0554

H2 Avg (Jul–Dec) 0.0535

Volatility Range Comparison

Volatility

The most volatile month in 2016 was March, with a trading range of 0.0033 HRK (High: 0.0577 / Low: 0.0544). On the other end, September was the most stable month, with a tight range of 0.0006 HRK (High: 0.0529 / Low: 0.0523).

March Spread (Volatile) ±0.0033

September Spread (Stable) ±0.0006

Growth Streaks & Declines

Trends

Between September and December, 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 January and February, when the average rate fell by 0.0018 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0018

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2016: 0.0585) against the same month in 2015 (average: 0.0575), the exchange rate shifted by +0.0010 (+1.70%).

2016 Avg (January) 0.0585

2015 Avg (January) 0.0575

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0590	0.0581	0.0585
February	0.0582	0.0559	0.0567
March	0.0577	0.0544	0.0558
April	0.0546	0.0534	0.0542
May	0.0540	0.0531	0.0537
June	0.0544	0.0526	0.0534
July	0.0538	0.0529	0.0535
August	0.0533	0.0521	0.0527
September	0.0529	0.0523	0.0525
October	0.0537	0.0523	0.0530
November	0.0553	0.0522	0.0539
December	0.0564	0.0545	0.0555