2016 PEN to HRK Historical Review

YEARLY HIGH

2.1585 HRK

YEARLY LOW

1.9255 HRK

YEARLY AVERAGE

2.0173 HRK

2016 PEN to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2016

During 2016, the PEN to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on December 28, valuing the pair at 2.1585. Conversely, the yearly low was recorded on February 11, dropping to 1.9255.

This high-to-low spread represents a total annual volatility of 0.2329 HRK. From a start-to-finish perspective, comparing the January average rate of 2.0511 to the December average rate of 2.1058, the exchange rate registered a net change of 2.67% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2016 high of 2.1585 was down 7.90% compared to the 2015 peak of 2.3435, 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 10,792 HRK

2015 Average 10,784 HRK

Yearly Trough Low 9,628 HRK

Transaction Impact: A difference of 1,164.65 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2016.

2.1202

1.9475

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 2.0029, compared to 2.0316 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0288 points.

H1 Avg (Jan–Jun) 2.0029

H2 Avg (Jul–Dec) 2.0316

Volatility Range Comparison

Volatility

The most volatile month in 2016 was November, with a trading range of 0.1077 HRK (High: 2.1001 / Low: 1.9923). On the other end, September was the most stable month, with a tight range of 0.0351 HRK (High: 1.9947 / Low: 1.9597).

November Spread (Volatile) ±0.1077

September Spread (Stable) ±0.0351

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 0.0892 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0892

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2016: 2.1058) against the same month in 2015 (average: 2.0750), the exchange rate shifted by +0.0308 (+1.48%).

2016 Avg (December) 2.1058

2015 Avg (December) 2.0750

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	2.0772	2.0257	2.0511
February	2.0239	1.9255	1.9619
March	2.0287	1.9693	1.9933
April	2.0426	1.9477	2.0023
May	2.0131	1.9681	1.9926
June	2.0599	1.9751	2.0161
July	2.0686	1.9960	2.0472
August	2.0331	1.9759	2.0033
September	1.9947	1.9597	1.9783
October	2.0512	1.9658	2.0080
November	2.1001	1.9923	2.0473
December	2.1585	2.0545	2.1058