2014 HRK to SBD Historical Review

YEARLY HIGH

1.3416 SBD

YEARLY LOW

1.1965 SBD

YEARLY AVERAGE

1.2722 SBD

2014 HRK to SBD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2014

During 2014, the HRK to SBD exchange rate experienced significant fluctuation. The market reached its absolute peak on May 8, valuing the pair at 1.3416. Conversely, the yearly low was recorded on December 30, dropping to 1.1965.

This high-to-low spread represents a total annual volatility of 0.1451 SBD. From a start-to-finish perspective, comparing the January average rate of 1.2873 to the December average rate of 1.2146, the exchange rate registered a net change of -5.65% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2014 high of 1.3416 was up 2.60% compared to the 2013 peak of 1.3075, 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 6,708 SBD

2013 Average 6,270 SBD

Yearly Trough Low 5,982 SBD

Transaction Impact: A difference of 725.51 SBD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2014.

1.3323

1.1988

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 1.3061, compared to 1.2384 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0678 points.

H1 Avg (Jan–Jun) 1.3061

H2 Avg (Jul–Dec) 1.2384

Volatility Range Comparison

Volatility

The most volatile month in 2014 was December, with a trading range of 0.0376 SBD (High: 1.2340 / Low: 1.1965). On the other end, November was the most stable month, with a tight range of 0.0135 SBD (High: 1.2166 / Low: 1.2031).

December Spread (Volatile) ±0.0376

November Spread (Stable) ±0.0135

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 0.0285 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.0285

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (May 2014: 1.3212) against the same month in 2013 (average: 1.2372), the exchange rate shifted by +0.0840 (+6.79%).

2014 Avg (May) 1.3212

2013 Avg (May) 1.2372

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	1.2991	1.2789	1.2873
February	1.3093	1.2806	1.2962
March	1.3230	1.3039	1.3124
April	1.3287	1.3036	1.3176
May	1.3416	1.3072	1.3212
June	1.3146	1.2906	1.3021
July	1.3078	1.2704	1.2872
August	1.2738	1.2444	1.2624
September	1.2536	1.2183	1.2339
October	1.2365	1.2065	1.2221
November	1.2166	1.2031	1.2099
December	1.2340	1.1965	1.2146