2014 HRK to JMD Historical Review

YEARLY HIGH

20.1908 JMD

YEARLY LOW

18.0965 JMD

YEARLY AVERAGE

19.2929 JMD

2014 HRK to JMD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2014

During 2014, the HRK to JMD exchange rate experienced significant fluctuation. The market reached its absolute peak on May 7, valuing the pair at 20.1908. Conversely, the yearly low was recorded on December 31, dropping to 18.0965.

This high-to-low spread represents a total annual volatility of 2.0943 JMD. From a start-to-finish perspective, comparing the January average rate of 18.9873 to the December average rate of 18.2925, the exchange rate registered a net change of -3.66% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2014 high of 20.1908 was up 5.46% compared to the 2013 peak of 19.1456, 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 100,954 JMD

2013 Average 87,473 JMD

Yearly Trough Low 90,483 JMD

Transaction Impact: A difference of 10,471.58 JMD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2014.

20.1510

18.1236

JanuMarcMayJulySeptNove

HRK to JMD 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 19.6006, compared to 18.9852 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.6154 points.

H1 Avg (Jan–Jun) 19.6006

H2 Avg (Jul–Dec) 18.9852

Volatility Range Comparison

Volatility

The most volatile month in 2014 was September, with a trading range of 0.8545 JMD (High: 19.4377 / Low: 18.5832). On the other end, November was the most stable month, with a tight range of 0.1933 JMD (High: 18.4525 / Low: 18.2592).

September Spread (Volatile) ±0.8545

November Spread (Stable) ±0.1933

Growth Streaks & Declines

Trends

Between January and May, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 4 straight months. Conversely, the sharpest month-over-month decline occurred between August and September, when the average rate fell by 0.6018 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.6018

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (May 2014: 19.9815) against the same month in 2013 (average: 16.9056), the exchange rate shifted by +3.0759 (+18.19%).

2014 Avg (May) 19.9815

2013 Avg (May) 16.9056

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	19.1469	18.8821	18.9873
February	19.4467	18.9288	19.1804
March	19.7772	19.4078	19.6323
April	20.0053	19.6242	19.8439
May	20.1908	19.8809	19.9815
June	20.1816	19.8493	19.9782
July	20.1902	19.7312	19.9821
August	19.7760	19.4256	19.6406
September	19.4377	18.5832	19.0388
October	18.7425	18.4612	18.6084
November	18.4525	18.2592	18.3487
December	18.5802	18.0965	18.2925