2013 HRK to SBD Historical Review

YEARLY HIGH

1.3075 SBD

YEARLY LOW

1.1883 SBD

YEARLY AVERAGE

1.2540 SBD

2013 HRK to SBD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2013

During 2013, the HRK to SBD exchange rate experienced significant fluctuation. The market reached its absolute peak on December 30, valuing the pair at 1.3075. Conversely, the yearly low was recorded on March 28, dropping to 1.1883.

This high-to-low spread represents a total annual volatility of 0.1192 SBD. From a start-to-finish perspective, comparing the January average rate of 1.2461 to the December average rate of 1.2903, the exchange rate registered a net change of 3.55% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2013 high of 1.3075 was up 0.07% compared to the 2012 peak of 1.3066, 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 6,538 SBD

2012 Average 6,096 SBD

Yearly Trough Low 5,942 SBD

Transaction Impact: A difference of 596.10 SBD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2013.

1.2976

1.2103

JanuMarcMayJulySeptNove

HRK to SBD 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 1.2417, compared to 1.2662 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0245 points.

H1 Avg (Jan–Jun) 1.2417

H2 Avg (Jul–Dec) 1.2662

Volatility Range Comparison

Volatility

The most volatile month in 2013 was February, with a trading range of 0.0639 SBD (High: 1.2864 / Low: 1.2225). On the other end, November was the most stable month, with a tight range of 0.0243 SBD (High: 1.2829 / Low: 1.2586).

February Spread (Volatile) ±0.0639

November Spread (Stable) ±0.0243

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 February and March, when the average rate fell by 0.0315 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0315

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2013: 1.2903) against the same month in 2012 (average: 1.2359), the exchange rate shifted by +0.0544 (+4.40%).

2013 Avg (December) 1.2903

2012 Avg (December) 1.2359

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	1.2851	1.2239	1.2461
February	1.2864	1.2225	1.2491
March	1.2330	1.1883	1.2176
April	1.2531	1.1962	1.2366
May	1.2772	1.2194	1.2372
June	1.2859	1.2343	1.2638
July	1.2595	1.2252	1.2424
August	1.2764	1.2415	1.2592
September	1.2696	1.2308	1.2534
October	1.3031	1.2625	1.2814
November	1.2829	1.2586	1.2705
December	1.3075	1.2688	1.2903