2014 ILS to HRK Historical Review

YEARLY HIGH

1.6691 HRK

YEARLY LOW

1.5617 HRK

YEARLY AVERAGE

1.6088 HRK

2014 ILS to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2014

During 2014, the ILS to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on August 5, valuing the pair at 1.6691. Conversely, the yearly low was recorded on December 2, dropping to 1.5617.

This high-to-low spread represents a total annual volatility of 0.1074 HRK. From a start-to-finish perspective, comparing the January average rate of 1.6041 to the December average rate of 1.5846, the exchange rate registered a net change of -1.22% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2014 high of 1.6691 was up 1.84% compared to the 2013 peak of 1.6389, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

Comparing the value generated converting 5,000 ILS based on timing:

Yearly Peak High 8,346 HRK

2013 Average 7,907 HRK

Yearly Trough Low 7,809 HRK

Transaction Impact: A difference of 537.12 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2014.

1.6475

1.5789

JanuMarcMayJulySeptNove

ILS to HRK 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 1.5981, compared to 1.6195 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0214 points.

H1 Avg (Jan–Jun) 1.5981

H2 Avg (Jul–Dec) 1.6195

Volatility Range Comparison

Volatility

The most volatile month in 2014 was December, with a trading range of 0.0605 HRK (High: 1.6222 / Low: 1.5617). On the other end, March was the most stable month, with a tight range of 0.0129 HRK (High: 1.5974 / Low: 1.5845).

December Spread (Volatile) ±0.0605

March Spread (Stable) ±0.0129

Growth Streaks & Declines

Trends

Between April and July, 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 November and December, when the average rate fell by 0.0202 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0202

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (August 2014: 1.6380) against the same month in 2013 (average: 1.5828), the exchange rate shifted by +0.0552 (+3.49%).

2014 Avg (August) 1.6380

2013 Avg (August) 1.5828

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	1.6147	1.5955	1.6041
February	1.6139	1.5852	1.5944
March	1.5974	1.5845	1.5923
April	1.6028	1.5813	1.5887
May	1.6065	1.5802	1.5959
June	1.6244	1.5975	1.6133
July	1.6635	1.6161	1.6418
August	1.6691	1.6180	1.6380
September	1.6438	1.6173	1.6269
October	1.6542	1.6006	1.6209
November	1.6236	1.5841	1.6048
December	1.6222	1.5617	1.5846