2013 PAB to SGD Historical Review

YEARLY HIGH

1.2827 SGD

YEARLY LOW

1.2208 SGD

YEARLY AVERAGE

1.2511 SGD

2013 PAB to SGD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2013

During 2013, the PAB to SGD exchange rate experienced significant fluctuation. The market reached its absolute peak on August 27, valuing the pair at 1.2827. Conversely, the yearly low was recorded on January 2, dropping to 1.2208.

This high-to-low spread represents a total annual volatility of 0.0619 SGD. From a start-to-finish perspective, comparing the January average rate of 1.2280 to the December average rate of 1.2593, the exchange rate registered a net change of 2.55% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2013 high of 1.2827 was down 1.26% compared to the 2012 peak of 1.2991, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 6,414 SGD

2012 Average 6,247 SGD

Yearly Trough Low 6,104 SGD

Transaction Impact: A difference of 309.50 SGD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2013.

1.2762

1.2236

JanuMarcMayJulySeptNove

PAB to SGD 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 1.2433, compared to 1.2588 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0155 points.

H1 Avg (Jan–Jun) 1.2433

H2 Avg (Jul–Dec) 1.2588

Volatility Range Comparison

Volatility

The most volatile month in 2013 was May, with a trading range of 0.0390 SGD (High: 1.2679 / Low: 1.2290). On the other end, February was the most stable month, with a tight range of 0.0045 SGD (High: 1.2406 / Low: 1.2360).

May Spread (Volatile) ±0.0390

February Spread (Stable) ±0.0045

Growth Streaks & Declines

Trends

Between April and August, 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 September and October, when the average rate fell by 0.0200 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.0200

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (August 2013: 1.2718) against the same month in 2012 (average: 1.2481), the exchange rate shifted by +0.0237 (+1.90%).

2013 Avg (August) 1.2718

2012 Avg (August) 1.2481

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	1.2380	1.2208	1.2280
February	1.2406	1.2360	1.2385
March	1.2508	1.2394	1.2460
April	1.2417	1.2333	1.2382
May	1.2679	1.2290	1.2486
June	1.2764	1.2462	1.2607
July	1.2810	1.2594	1.2678
August	1.2827	1.2576	1.2718
September	1.2799	1.2483	1.2632
October	1.2526	1.2359	1.2432
November	1.2555	1.2423	1.2477
December	1.2693	1.2490	1.2593