2014 BZD to HRK Historical Review

YEARLY HIGH

3.1642 HRK

YEARLY LOW

2.7080 HRK

YEARLY AVERAGE

2.8796 HRK

2014 BZD to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2014

During 2014, the BZD to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on December 31, valuing the pair at 3.1642. Conversely, the yearly low was recorded on May 6, dropping to 2.7080.

This high-to-low spread represents a total annual volatility of 0.4562 HRK. From a start-to-finish perspective, comparing the January average rate of 2.8102 to the December average rate of 3.1172, the exchange rate registered a net change of 10.93% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2014 high of 3.1642 was up 5.28% compared to the 2013 peak of 3.0055, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 15,821 HRK

2013 Average 14,291 HRK

Yearly Trough Low 13,540 HRK

Transaction Impact: A difference of 2,280.94 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2014.

3.1548

2.7043

JanuMarcMayJulySeptNove

BZD 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 2.7821, compared to 2.9772 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.1952 points.

H1 Avg (Jan–Jun) 2.7821

H2 Avg (Jul–Dec) 2.9772

Volatility Range Comparison

Volatility

The most volatile month in 2014 was September, with a trading range of 0.1332 HRK (High: 3.0360 / Low: 2.9028). On the other end, June was the most stable month, with a tight range of 0.0325 HRK (High: 2.8044 / Low: 2.7720).

September Spread (Volatile) ±0.1332

June Spread (Stable) ±0.0325

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 March and April, when the average rate fell by 0.0412 points.

Longest Streak 8 Mo.

Sharpest MoM Drop -0.0412

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2014: 3.1172) against the same month in 2013 (average: 2.7953), the exchange rate shifted by +0.3219 (+11.52%).

2014 Avg (December) 3.1172

2013 Avg (December) 2.7953

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	2.8375	2.7827	2.8102
February	2.8396	2.7946	2.8158
March	2.8041	2.7583	2.7830
April	2.7664	2.7234	2.7418
May	2.7930	2.7080	2.7532
June	2.8044	2.7720	2.7884
July	2.8539	2.7726	2.8129
August	2.9016	2.8495	2.8683
September	3.0360	2.9028	2.9609
October	3.0537	2.9994	3.0257
November	3.0990	3.0561	3.0782
December	3.1642	3.0693	3.1172