2014 HRK to PEN Historical Review

YEARLY HIGH

0.5144 PEN

YEARLY LOW

0.4711 PEN

YEARLY AVERAGE

0.4938 PEN

2014 HRK to PEN Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2014

During 2014, the HRK to PEN exchange rate experienced significant fluctuation. The market reached its absolute peak on May 6, valuing the pair at 0.5144. Conversely, the yearly low was recorded on November 23, dropping to 0.4711.

This high-to-low spread represents a total annual volatility of 0.0433 PEN. From a start-to-finish perspective, comparing the January average rate of 0.5014 to the December average rate of 0.4756, the exchange rate registered a net change of -5.15% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2014 high of 0.5144 was up 1.73% compared to the 2013 peak of 0.5056, 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 2,572 PEN

2013 Average 2,369 PEN

Yearly Trough Low 2,355 PEN

Transaction Impact: A difference of 216.56 PEN purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2014.

0.5099

0.4725

JanuMarcMayJulySeptNove

HRK to PEN 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 0.5037, compared to 0.4839 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0198 points.

H1 Avg (Jan–Jun) 0.5037

H2 Avg (Jul–Dec) 0.4839

Volatility Range Comparison

Volatility

The most volatile month in 2014 was May, with a trading range of 0.0178 PEN (High: 0.5144 / Low: 0.4965). On the other end, August was the most stable month, with a tight range of 0.0042 PEN (High: 0.4934 / Low: 0.4892).

May Spread (Volatile) ±0.0178

August Spread (Stable) ±0.0042

Growth Streaks & Declines

Trends

Between January and March, 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 0.0066 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0066

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (May 2014: 0.5046) against the same month in 2013 (average: 0.4530), the exchange rate shifted by +0.0516 (+11.39%).

2014 Avg (May) 0.5046

2013 Avg (May) 0.4530

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.5053	0.4982	0.5014
February	0.5045	0.4981	0.5020
March	0.5110	0.5025	0.5068
April	0.5116	0.5024	0.5057
May	0.5144	0.4965	0.5046
June	0.5051	0.4971	0.5015
July	0.5050	0.4894	0.4956
August	0.4934	0.4892	0.4911
September	0.4922	0.4780	0.4845
October	0.4844	0.4761	0.4808
November	0.4798	0.4711	0.4757
December	0.4841	0.4712	0.4756