2014 HNL to HRK Historical Review

YEARLY HIGH

0.3008 HRK

YEARLY LOW

0.2642 HRK

YEARLY AVERAGE

0.2820 HRK

2014 HNL to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2014

During 2014, the HNL to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on December 31, valuing the pair at 0.3008. Conversely, the yearly low was recorded on June 30, dropping to 0.2642.

This high-to-low spread represents a total annual volatility of 0.0366 HRK. From a start-to-finish perspective, comparing the January average rate of 0.2794 to the December average rate of 0.2954, the exchange rate registered a net change of 5.72% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2014 high of 0.3008 was down 3.07% compared to the 2013 peak of 0.3103, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 1,504 HRK

2013 Average 1,422 HRK

Yearly Trough Low 1,321 HRK

Transaction Impact: A difference of 183.02 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2014.

0.2981

0.2646

JanuMarcMayJulySeptNove

HNL 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 0.2822, compared to 0.2818 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0004 points.

H1 Avg (Jan–Jun) 0.2822

H2 Avg (Jul–Dec) 0.2818

Volatility Range Comparison

Volatility

The most volatile month in 2014 was May, with a trading range of 0.0233 HRK (High: 0.2922 / Low: 0.2689). On the other end, February was the most stable month, with a tight range of 0.0030 HRK (High: 0.2854 / Low: 0.2824).

May Spread (Volatile) ±0.0233

February Spread (Stable) ±0.0030

Growth Streaks & Declines

Trends

Between June and December, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 6 straight months. Conversely, the sharpest month-over-month decline occurred between May and June, when the average rate fell by 0.0206 points.

Longest Streak 6 Mo.

Sharpest MoM Drop -0.0206

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2014: 0.2954) against the same month in 2013 (average: 0.2730), the exchange rate shifted by +0.0224 (+8.19%).

2014 Avg (December) 0.2954

2013 Avg (December) 0.2730

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.2843	0.2732	0.2794
February	0.2854	0.2824	0.2839
March	0.2899	0.2836	0.2865
April	0.2899	0.2865	0.2883
May	0.2922	0.2689	0.2880
June	0.2693	0.2642	0.2674
July	0.2726	0.2643	0.2683
August	0.2749	0.2707	0.2728
September	0.2866	0.2749	0.2803
October	0.2888	0.2818	0.2846
November	0.2921	0.2871	0.2896
December	0.3008	0.2903	0.2954