2015 PEN to SBD Historical Review

YEARLY HIGH

2.5718 SBD

YEARLY LOW

2.3587 SBD

YEARLY AVERAGE

2.4706 SBD

2015 PEN to SBD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2015

During 2015, the PEN to SBD exchange rate experienced significant fluctuation. The market reached its absolute peak on January 5, valuing the pair at 2.5718. Conversely, the yearly low was recorded on November 19, dropping to 2.3587.

This high-to-low spread represents a total annual volatility of 0.2131 SBD. From a start-to-finish perspective, comparing the January average rate of 2.5319 to the December average rate of 2.3974, the exchange rate registered a net change of -5.31% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2015 high of 2.5718 was down 2.98% compared to the 2014 peak of 2.6507, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 12,859 SBD

2014 Average 12,880 SBD

Yearly Trough Low 11,794 SBD

Transaction Impact: A difference of 1,065.40 SBD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2015.

2.5459

2.3780

JanuMarcMayJulySeptNove

PEN 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 2.4963, compared to 2.4449 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0514 points.

H1 Avg (Jan–Jun) 2.4963

H2 Avg (Jul–Dec) 2.4449

Volatility Range Comparison

Volatility

The most volatile month in 2015 was February, with a trading range of 0.0948 SBD (High: 2.5553 / Low: 2.4605). On the other end, May was the most stable month, with a tight range of 0.0353 SBD (High: 2.4693 / Low: 2.4340).

February Spread (Volatile) ±0.0948

May Spread (Stable) ±0.0353

Growth Streaks & Declines

Trends

No sustained consecutive month-over-month growth streak of 2+ months occurred in 2015. Conversely, the sharpest month-over-month decline occurred between October and November, when the average rate fell by 0.0619 points.

Longest Streak 1 Mo.

Sharpest MoM Drop -0.0619

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2015: 2.5319) against the same month in 2014 (average: 2.5674), the exchange rate shifted by -0.0355 (-1.38%).

2015 Avg (January) 2.5319

2014 Avg (January) 2.5674

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	2.5718	2.4981	2.5319
February	2.5553	2.4605	2.5066
March	2.5316	2.4623	2.5079
April	2.5191	2.4602	2.4906
May	2.4693	2.4340	2.4535
June	2.5058	2.4570	2.4876
July	2.5055	2.4685	2.4858
August	2.5020	2.4174	2.4633
September	2.5006	2.4503	2.4771
October	2.4939	2.4053	2.4539
November	2.4123	2.3587	2.3920
December	2.4174	2.3769	2.3974