2013 HNL to SAR Historical Review

YEARLY HIGH

0.1978 SAR

YEARLY LOW

0.1826 SAR

YEARLY AVERAGE

0.1868 SAR

2013 HNL to SAR Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2013

During 2013, the HNL to SAR exchange rate experienced significant fluctuation. The market reached its absolute peak on May 22, valuing the pair at 0.1978. Conversely, the yearly low was recorded on December 1, dropping to 0.1826.

This high-to-low spread represents a total annual volatility of 0.0151 SAR. From a start-to-finish perspective, comparing the January average rate of 0.1885 to the December average rate of 0.1837, the exchange rate registered a net change of -2.55% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2013 high of 0.1978 was up 0.07% compared to the 2012 peak of 0.1976, 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 989 SAR

2012 Average 971 SAR

Yearly Trough Low 913 SAR

Transaction Impact: A difference of 75.65 SAR purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2013.

0.1949

0.1823

JanuMarcMayJulySeptNove

HNL to SAR 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 0.1897, compared to 0.1839 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0058 points.

H1 Avg (Jan–Jun) 0.1897

H2 Avg (Jul–Dec) 0.1839

Volatility Range Comparison

Volatility

The most volatile month in 2013 was May, with a trading range of 0.0126 SAR (High: 0.1978 / Low: 0.1852). On the other end, August was the most stable month, with a tight range of 0.0008 SAR (High: 0.1845 / Low: 0.1836).

May Spread (Volatile) ±0.0126

August Spread (Stable) ±0.0008

Growth Streaks & Declines

Trends

Between February and May, 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 May and June, when the average rate fell by 0.0089 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0089

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (May 2013: 0.1938) against the same month in 2012 (average: 0.1967), the exchange rate shifted by -0.0029 (-1.48%).

2013 Avg (May) 0.1938

2012 Avg (May) 0.1967

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.1893	0.1880	0.1885
February	0.1886	0.1871	0.1881
March	0.1913	0.1880	0.1898
April	0.1947	0.1911	0.1930
May	0.1978	0.1852	0.1938
June	0.1856	0.1843	0.1850
July	0.1862	0.1837	0.1849
August	0.1845	0.1836	0.1840
September	0.1855	0.1833	0.1841
October	0.1841	0.1831	0.1835
November	0.1846	0.1827	0.1834
December	0.1849	0.1826	0.1837