2014 HRK to BOB Historical Review

YEARLY HIGH

1.2672 BOB

YEARLY LOW

1.0931 BOB

YEARLY AVERAGE

1.2031 BOB

2014 HRK to BOB Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2014

During 2014, the HRK to BOB exchange rate experienced significant fluctuation. The market reached its absolute peak on May 6, valuing the pair at 1.2672. Conversely, the yearly low was recorded on December 31, dropping to 1.0931.

This high-to-low spread represents a total annual volatility of 0.1741 BOB. From a start-to-finish perspective, comparing the January average rate of 1.2336 to the December average rate of 1.1094, the exchange rate registered a net change of -10.06% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2014 high of 1.2672 was up 0.82% compared to the 2013 peak of 1.2569, 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 6,336 BOB

2013 Average 6,087 BOB

Yearly Trough Low 5,466 BOB

Transaction Impact: A difference of 870.70 BOB purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2014.

1.2662

1.0952

JanuMarcMayJulySeptNove

HRK to BOB 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 1.2427, compared to 1.1636 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0792 points.

H1 Avg (Jan–Jun) 1.2427

H2 Avg (Jul–Dec) 1.1636

Volatility Range Comparison

Volatility

The most volatile month in 2014 was September, with a trading range of 0.0517 BOB (High: 1.1932 / Low: 1.1415). On the other end, June was the most stable month, with a tight range of 0.0133 BOB (High: 1.2474 / Low: 1.2341).

September Spread (Volatile) ±0.0517

June Spread (Stable) ±0.0133

Growth Streaks & Declines

Trends

Between February and April, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 2 straight months. Conversely, the sharpest month-over-month decline occurred between August and September, when the average rate fell by 0.0368 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0368

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (May 2014: 1.2496) against the same month in 2013 (average: 1.1987), the exchange rate shifted by +0.0510 (+4.25%).

2014 Avg (May) 1.2496

2013 Avg (May) 1.1987

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	1.2483	1.2213	1.2336
February	1.2447	1.2204	1.2326
March	1.2585	1.2401	1.2483
April	1.2598	1.2402	1.2519
May	1.2672	1.2382	1.2496
June	1.2474	1.2341	1.2404
July	1.2474	1.2118	1.2294
August	1.2137	1.1927	1.2060
September	1.1932	1.1415	1.1692
October	1.1531	1.1325	1.1437
November	1.1317	1.1151	1.1236
December	1.1262	1.0931	1.1094