2014 SAR to NAD Historical Review

YEARLY HIGH

3.1133 NAD

YEARLY LOW

2.7514 NAD

YEARLY AVERAGE

2.8923 NAD

2014 SAR to NAD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2014

During 2014, the SAR to NAD exchange rate experienced significant fluctuation. The market reached its absolute peak on December 15, valuing the pair at 3.1133. Conversely, the yearly low was recorded on May 14, dropping to 2.7514.

This high-to-low spread represents a total annual volatility of 0.3620 NAD. From a start-to-finish perspective, comparing the January average rate of 2.8951 to the December average rate of 3.0639, the exchange rate registered a net change of 5.83% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2014 high of 3.1133 was up 10.96% compared to the 2013 peak of 2.8059, 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 15,567 NAD

2013 Average 12,862 NAD

Yearly Trough Low 13,757 NAD

Transaction Impact: A difference of 1,809.80 NAD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2014.

3.0927

2.7471

JanuMarcMayJulySeptNove

SAR to NAD 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 2.8532, compared to 2.9314 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0782 points.

H1 Avg (Jan–Jun) 2.8532

H2 Avg (Jul–Dec) 2.9314

Volatility Range Comparison

Volatility

The most volatile month in 2014 was January, with a trading range of 0.1833 NAD (High: 2.9891 / Low: 2.8058). On the other end, August was the most stable month, with a tight range of 0.0484 NAD (High: 2.8656 / Low: 2.8171).

January Spread (Volatile) ±0.1833

August Spread (Stable) ±0.0484

Growth Streaks & Declines

Trends

Between July and October, 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 February and March, when the average rate fell by 0.0639 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0639

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2014: 3.0639) against the same month in 2013 (average: 2.7647), the exchange rate shifted by +0.2993 (+10.82%).

2014 Avg (December) 3.0639

2013 Avg (December) 2.7647

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	2.9891	2.8058	2.8951
February	2.9927	2.8593	2.9278
March	2.9014	2.8140	2.8639
April	2.8413	2.7793	2.8129
May	2.8060	2.7514	2.7759
June	2.8784	2.8114	2.8435
July	2.8731	2.8045	2.8428
August	2.8656	2.8171	2.8433
September	3.0043	2.8439	2.9280
October	3.0208	2.9058	2.9556
November	3.0047	2.9179	2.9548
December	3.1133	2.9362	3.0639