2018 PEN to HRK Historical Review

YEARLY HIGH

1.9902 HRK

YEARLY LOW

1.8258 HRK

YEARLY AVERAGE

1.9122 HRK

2018 PEN to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2018

During 2018, the PEN to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on August 14, valuing the pair at 1.9902. Conversely, the yearly low was recorded on February 14, dropping to 1.8258.

This high-to-low spread represents a total annual volatility of 0.1644 HRK. From a start-to-finish perspective, comparing the January average rate of 1.8951 to the December average rate of 1.9346, the exchange rate registered a net change of 2.08% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2018 high of 1.9902 was down 8.68% compared to the 2017 peak of 2.1794, 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 9,951 HRK

2017 Average 10,144 HRK

Yearly Trough Low 9,129 HRK

Transaction Impact: A difference of 822.02 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2018.

1.9666

1.8437

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 1.8868, compared to 1.9377 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0509 points.

H1 Avg (Jan–Jun) 1.8868

H2 Avg (Jul–Dec) 1.9377

Volatility Range Comparison

Volatility

The most volatile month in 2018 was January, with a trading range of 0.0813 HRK (High: 1.9385 / Low: 1.8572). On the other end, July was the most stable month, with a tight range of 0.0248 HRK (High: 1.9427 / Low: 1.9179).

January Spread (Volatile) ±0.0813

July Spread (Stable) ±0.0248

Growth Streaks & Declines

Trends

Between February and June, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 4 straight months. Conversely, the sharpest month-over-month decline occurred between January and February, when the average rate fell by 0.0412 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.0412

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (August 2018: 1.9563) against the same month in 2017 (average: 1.9332), the exchange rate shifted by +0.0232 (+1.20%).

2018 Avg (August) 1.9563

2017 Avg (August) 1.9332

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	1.9385	1.8572	1.8951
February	1.8737	1.8258	1.8539
March	1.8733	1.8370	1.8554
April	1.8931	1.8551	1.8717
May	1.9523	1.8867	1.9108
June	1.9557	1.9164	1.9340
July	1.9427	1.9179	1.9314
August	1.9902	1.9274	1.9563
September	1.9402	1.9107	1.9273
October	1.9607	1.9190	1.9392
November	1.9612	1.9215	1.9374
December	1.9513	1.9129	1.9346