2015 PEN to HRK Historical Review

YEARLY HIGH

2.3435 HRK

YEARLY LOW

1.9965 HRK

YEARLY AVERAGE

2.1572 HRK

2015 PEN to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2015

During 2015, the PEN to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on March 14, valuing the pair at 2.3435. Conversely, the yearly low was recorded on August 24, dropping to 1.9965.

This high-to-low spread represents a total annual volatility of 0.3471 HRK. From a start-to-finish perspective, comparing the January average rate of 2.2004 to the December average rate of 2.0750, the exchange rate registered a net change of -5.70% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2015 high of 2.3435 was up 10.40% compared to the 2014 peak of 2.1228, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 11,718 HRK

2014 Average 10,133 HRK

Yearly Trough Low 9,982 HRK

Transaction Impact: A difference of 1,735.26 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2015.

2.3022

2.0543

JanuMarcMayJulySeptNove

PEN 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 2.2047, compared to 2.1096 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0952 points.

H1 Avg (Jan–Jun) 2.2047

H2 Avg (Jul–Dec) 2.1096

Volatility Range Comparison

Volatility

The most volatile month in 2015 was August, with a trading range of 0.1811 HRK (High: 2.1775 / Low: 1.9965). On the other end, February was the most stable month, with a tight range of 0.0359 HRK (High: 2.2265 / Low: 2.1906).

August Spread (Volatile) ±0.1811

February Spread (Stable) ±0.0359

Growth Streaks & Declines

Trends

Between January and March, 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 April and May, when the average rate fell by 0.1034 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.1034

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (March 2015: 2.2816) against the same month in 2014 (average: 1.9733), the exchange rate shifted by +0.3083 (+15.62%).

2015 Avg (March) 2.2816

2014 Avg (March) 1.9733

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	2.2917	2.1194	2.2004
February	2.2265	2.1906	2.2055
March	2.3435	2.2123	2.2816
April	2.2921	2.1661	2.2554
May	2.2023	2.0910	2.1520
June	2.1947	2.1034	2.1336
July	2.2078	2.1373	2.1670
August	2.1775	1.9965	2.0985
September	2.1292	2.0579	2.0998
October	2.1194	2.0592	2.0936
November	2.1406	2.0992	2.1237
December	2.1360	2.0489	2.0750