2014 SAR to GHS Historical Review

YEARLY HIGH

1.0338 GHS

YEARLY LOW

0.6236 GHS

YEARLY AVERAGE

0.8107 GHS

2014 SAR to GHS Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2014

During 2014, the SAR to GHS exchange rate experienced significant fluctuation. The market reached its absolute peak on August 19, valuing the pair at 1.0338. Conversely, the yearly low was recorded on January 4, dropping to 0.6236.

This high-to-low spread represents a total annual volatility of 0.4102 GHS. From a start-to-finish perspective, comparing the January average rate of 0.6356 to the December average rate of 0.8537, the exchange rate registered a net change of 34.30% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2014 high of 1.0338 was up 63.26% compared to the 2013 peak of 0.6332, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 5,169 GHS

2013 Average 2,755 GHS

Yearly Trough Low 3,118 GHS

Transaction Impact: A difference of 2,050.85 GHS purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2014.

1.0039

0.6022

JanuMarcMayJulySeptNove

SAR to GHS 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 0.7227, compared to 0.8988 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.1761 points.

H1 Avg (Jan–Jun) 0.7227

H2 Avg (Jul–Dec) 0.8988

Volatility Range Comparison

Volatility

The most volatile month in 2014 was September, with a trading range of 0.1434 GHS (High: 1.0135 / Low: 0.8701). On the other end, December was the most stable month, with a tight range of 0.0039 GHS (High: 0.8554 / Low: 0.8515).

September Spread (Volatile) ±0.1434

December Spread (Stable) ±0.0039

Growth Streaks & Declines

Trends

Between January and August, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 7 straight months. Conversely, the sharpest month-over-month decline occurred between September and October, when the average rate fell by 0.0898 points.

Longest Streak 7 Mo.

Sharpest MoM Drop -0.0898

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (August 2014: 0.9704) against the same month in 2013 (average: 0.5633), the exchange rate shifted by +0.4071 (+72.28%).

2014 Avg (August) 0.9704

2013 Avg (August) 0.5633

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.6510	0.6236	0.6356
February	0.6851	0.6384	0.6646
March	0.7179	0.6785	0.6915
April	0.7534	0.7163	0.7373
May	0.8045	0.7536	0.7767
June	0.8728	0.7959	0.8302
July	0.9414	0.8686	0.9003
August	1.0338	0.8991	0.9704
September	1.0135	0.8701	0.9512
October	0.8706	0.8511	0.8614
November	0.8655	0.8492	0.8557
December	0.8554	0.8515	0.8537