2014 HRK to BAM Historical Review

YEARLY HIGH

0.2586 BAM

YEARLY LOW

0.2546 BAM

YEARLY AVERAGE

0.2564 BAM

2014 HRK to BAM Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2014

During 2014, the HRK to BAM exchange rate experienced significant fluctuation. The market reached its absolute peak on June 4, valuing the pair at 0.2586. Conversely, the yearly low was recorded on December 14, dropping to 0.2546.

This high-to-low spread represents a total annual volatility of 0.0040 BAM. From a start-to-finish perspective, comparing the January average rate of 0.2563 to the December average rate of 0.2552, the exchange rate registered a net change of -0.46% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2014 high of 0.2586 was down 1.65% compared to the 2013 peak of 0.2629, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 1,293 BAM

2013 Average 1,291 BAM

Yearly Trough Low 1,273 BAM

Transaction Impact: A difference of 19.88 BAM purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2014.

0.2586

0.2548

JanuMarcMayJulySeptNove

HRK to BAM 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 0.2567, compared to 0.2560 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0007 points.

H1 Avg (Jan–Jun) 0.2567

H2 Avg (Jul–Dec) 0.2560

Volatility Range Comparison

Volatility

The most volatile month in 2014 was July, with a trading range of 0.0024 BAM (High: 0.2584 / Low: 0.2560). On the other end, June was the most stable month, with a tight range of 0.0005 BAM (High: 0.2586 / Low: 0.2581).

July Spread (Volatile) ±0.0024

June Spread (Stable) ±0.0005

Growth Streaks & Declines

Trends

Between March and June, 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 June and July, when the average rate fell by 0.0013 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0013

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (June 2014: 0.2583) against the same month in 2013 (average: 0.2612), the exchange rate shifted by -0.0029 (-1.11%).

2014 Avg (June) 0.2583

2013 Avg (June) 0.2612

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.2568	0.2556	0.2563
February	0.2563	0.2552	0.2557
March	0.2563	0.2553	0.2556
April	0.2573	0.2558	0.2567
May	0.2581	0.2570	0.2576
June	0.2586	0.2581	0.2583
July	0.2584	0.2560	0.2570
August	0.2571	0.2559	0.2564
September	0.2571	0.2558	0.2567
October	0.2562	0.2549	0.2556
November	0.2555	0.2546	0.2551
December	0.2556	0.2546	0.2552