2014 BOB to HRK Historical Review

YEARLY HIGH

0.9148 HRK

YEARLY LOW

0.7891 HRK

YEARLY AVERAGE

0.8327 HRK

2014 BOB to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2014

During 2014, the BOB to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on December 31, valuing the pair at 0.9148. Conversely, the yearly low was recorded on May 6, dropping to 0.7891.

This high-to-low spread represents a total annual volatility of 0.1257 HRK. From a start-to-finish perspective, comparing the January average rate of 0.8106 to the December average rate of 0.9014, the exchange rate registered a net change of 11.20% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2014 high of 0.9148 was up 7.71% compared to the 2013 peak of 0.8493, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 4,574 HRK

2013 Average 4,108 HRK

Yearly Trough Low 3,946 HRK

Transaction Impact: A difference of 628.56 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2014.

0.9117

0.7885

JanuMarcMayJulySeptNove

BOB 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 0.8047, compared to 0.8606 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0559 points.

H1 Avg (Jan–Jun) 0.8047

H2 Avg (Jul–Dec) 0.8606

Volatility Range Comparison

Volatility

The most volatile month in 2014 was September, with a trading range of 0.0380 HRK (High: 0.8761 / Low: 0.8381). On the other end, June was the most stable month, with a tight range of 0.0086 HRK (High: 0.8103 / Low: 0.8017).

September Spread (Volatile) ±0.0380

June Spread (Stable) ±0.0086

Growth Streaks & Declines

Trends

Between April and December, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 8 straight months. Conversely, the sharpest month-over-month decline occurred between February and March, when the average rate fell by 0.0102 points.

Longest Streak 8 Mo.

Sharpest MoM Drop -0.0102

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2014: 0.9014) against the same month in 2013 (average: 0.8063), the exchange rate shifted by +0.0951 (+11.79%).

2014 Avg (December) 0.9014

2013 Avg (December) 0.8063

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.8188	0.8011	0.8106
February	0.8194	0.8034	0.8113
March	0.8064	0.7946	0.8011
April	0.8063	0.7938	0.7988
May	0.8076	0.7891	0.8003
June	0.8103	0.8017	0.8062
July	0.8252	0.8017	0.8135
August	0.8384	0.8239	0.8292
September	0.8761	0.8381	0.8554
October	0.8830	0.8672	0.8743
November	0.8968	0.8836	0.8900
December	0.9148	0.8879	0.9014