2014 HRK to LTL Historical Review

YEARLY HIGH

0.4563 LTL

YEARLY LOW

0.4492 LTL

YEARLY AVERAGE

0.4523 LTL

2014 HRK to LTL Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2014

During 2014, the HRK to LTL exchange rate experienced significant fluctuation. The market reached its absolute peak on June 4, valuing the pair at 0.4563. Conversely, the yearly low was recorded on November 30, dropping to 0.4492.

This high-to-low spread represents a total annual volatility of 0.0071 LTL. From a start-to-finish perspective, comparing the January average rate of 0.4524 to the December average rate of 0.4503, 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 0.4563 was down 1.60% compared to the 2013 peak of 0.4637, 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 2,281 LTL

2013 Average 2,278 LTL

Yearly Trough Low 2,246 LTL

Transaction Impact: A difference of 35.63 LTL purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2014.

0.4564

0.4496

JanuMarcMayJulySeptNove

HRK to LTL 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 0.4529, compared to 0.4517 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0012 points.

H1 Avg (Jan–Jun) 0.4529

H2 Avg (Jul–Dec) 0.4517

Volatility Range Comparison

Volatility

The most volatile month in 2014 was July, with a trading range of 0.0041 LTL (High: 0.4558 / Low: 0.4517). On the other end, June was the most stable month, with a tight range of 0.0008 LTL (High: 0.4563 / Low: 0.4555).

July Spread (Volatile) ±0.0041

June Spread (Stable) ±0.0008

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 0.0023 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0023

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (June 2014: 0.4558) against the same month in 2013 (average: 0.4608), the exchange rate shifted by -0.0050 (-1.08%).

2014 Avg (June) 0.4558

2013 Avg (June) 0.4608

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.4531	0.4511	0.4524
February	0.4519	0.4503	0.4510
March	0.4515	0.4505	0.4510
April	0.4540	0.4514	0.4529
May	0.4555	0.4535	0.4546
June	0.4563	0.4555	0.4558
July	0.4558	0.4517	0.4535
August	0.4537	0.4515	0.4524
September	0.4537	0.4515	0.4529
October	0.4527	0.4500	0.4510
November	0.4510	0.4492	0.4502
December	0.4512	0.4497	0.4503