2014 JMD to HRK Historical Review

YEARLY HIGH

0.0553 HRK

YEARLY LOW

0.0495 HRK

YEARLY AVERAGE

0.0519 HRK

2014 JMD to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2014

During 2014, the JMD to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on December 31, valuing the pair at 0.0553. Conversely, the yearly low was recorded on May 7, dropping to 0.0495.

This high-to-low spread represents a total annual volatility of 0.0057 HRK. From a start-to-finish perspective, comparing the January average rate of 0.0527 to the December average rate of 0.0547, the exchange rate registered a net change of 3.80% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2014 high of 0.0553 was down 11.93% compared to the 2013 peak of 0.0627, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 276 HRK

2013 Average 286 HRK

Yearly Trough Low 248 HRK

Transaction Impact: A difference of 28.66 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2014.

0.0551

0.0496

JanuMarcMayJulySeptNove

JMD 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 0.0510, compared to 0.0527 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0017 points.

H1 Avg (Jan–Jun) 0.0510

H2 Avg (Jul–Dec) 0.0527

Volatility Range Comparison

Volatility

The most volatile month in 2014 was September, with a trading range of 0.0024 HRK (High: 0.0538 / Low: 0.0514). On the other end, November was the most stable month, with a tight range of 0.0006 HRK (High: 0.0548 / Low: 0.0542).

September Spread (Volatile) ±0.0024

November Spread (Stable) ±0.0006

Growth Streaks & Declines

Trends

Between July and December, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 5 straight months. Conversely, the sharpest month-over-month decline occurred between February and March, when the average rate fell by 0.0012 points.

Longest Streak 5 Mo.

Sharpest MoM Drop -0.0012

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2014: 0.0547) against the same month in 2013 (average: 0.0533), the exchange rate shifted by +0.0013 (+2.49%).

2014 Avg (December) 0.0547

2013 Avg (December) 0.0533

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0530	0.0522	0.0527
February	0.0528	0.0514	0.0521
March	0.0515	0.0506	0.0509
April	0.0510	0.0500	0.0504
May	0.0503	0.0495	0.0500
June	0.0504	0.0495	0.0501
July	0.0507	0.0495	0.0500
August	0.0515	0.0506	0.0509
September	0.0538	0.0514	0.0525
October	0.0542	0.0534	0.0537
November	0.0548	0.0542	0.0545
December	0.0553	0.0538	0.0547