2014 HRK to BIF Historical Review

YEARLY HIGH

284.4345 BIF

YEARLY LOW

247.3830 BIF

YEARLY AVERAGE

270.2194 BIF

2014 HRK to BIF Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2014

During 2014, the HRK to BIF exchange rate experienced significant fluctuation. The market reached its absolute peak on May 6, valuing the pair at 284.4345. Conversely, the yearly low was recorded on December 26, dropping to 247.3830.

This high-to-low spread represents a total annual volatility of 37.0515 BIF. From a start-to-finish perspective, comparing the January average rate of 276.4176 to the December average rate of 251.2536, the exchange rate registered a net change of -9.10% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2014 high of 284.4345 was up 0.45% compared to the 2013 peak of 283.1507, 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 1,422,172 BIF

2013 Average 1,357,945 BIF

Yearly Trough Low 1,236,915 BIF

Transaction Impact: A difference of 185,257.41 BIF purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2014.

283.4564

248.3260

JanuMarcMayJulySeptNove

HRK to BIF 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 278.5641, compared to 261.8747 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 16.6894 points.

H1 Avg (Jan–Jun) 278.5641

H2 Avg (Jul–Dec) 261.8747

Volatility Range Comparison

Volatility

The most volatile month in 2014 was September, with a trading range of 11.5753 BIF (High: 267.7228 / Low: 256.1476). On the other end, June was the most stable month, with a tight range of 4.1700 BIF (High: 280.2787 / Low: 276.1087).

September Spread (Volatile) ±11.5753

June Spread (Stable) ±4.1700

Growth Streaks & Declines

Trends

Between January and April, 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 August and September, when the average rate fell by 8.5319 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -8.5319

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (May 2014: 279.7871) against the same month in 2013 (average: 269.2796), the exchange rate shifted by +10.5075 (+3.90%).

2014 Avg (May) 279.7871

2013 Avg (May) 269.2796

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	279.0575	273.5302	276.4176
February	280.2456	273.4779	276.7136
March	282.5951	278.2697	280.3053
April	282.8074	277.2122	280.5289
May	284.4345	276.6383	279.7871
June	280.2787	276.1087	277.6319
July	279.4178	270.0807	275.5395
August	272.7717	265.7066	270.4380
September	267.7228	256.1476	261.9060
October	261.0215	251.5201	258.0511
November	256.3981	251.8009	254.0599
December	255.3091	247.3830	251.2536