2014 SBD to HRK Historical Review

YEARLY HIGH

0.8358 HRK

YEARLY LOW

0.7454 HRK

YEARLY AVERAGE

0.7868 HRK

2014 SBD to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2014

During 2014, the SBD to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on December 30, valuing the pair at 0.8358. Conversely, the yearly low was recorded on May 8, dropping to 0.7454.

This high-to-low spread represents a total annual volatility of 0.0904 HRK. From a start-to-finish perspective, comparing the January average rate of 0.7768 to the December average rate of 0.8234, the exchange rate registered a net change of 5.99% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2014 high of 0.8358 was down 0.68% compared to the 2013 peak of 0.8415, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 4,179 HRK

2013 Average 3,989 HRK

Yearly Trough Low 3,727 HRK

Transaction Impact: A difference of 451.99 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2014.

0.8335

0.7500

JanuMarcMayJulySeptNove

SBD 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 0.7657, compared to 0.8080 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0422 points.

H1 Avg (Jan–Jun) 0.7657

H2 Avg (Jul–Dec) 0.8080

Volatility Range Comparison

Volatility

The most volatile month in 2014 was December, with a trading range of 0.0254 HRK (High: 0.8358 / Low: 0.8104). On the other end, November was the most stable month, with a tight range of 0.0092 HRK (High: 0.8312 / Low: 0.8219).

December Spread (Volatile) ±0.0254

November Spread (Stable) ±0.0092

Growth Streaks & Declines

Trends

Between May and November, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 6 straight months. Conversely, the sharpest month-over-month decline occurred between February and March, when the average rate fell by 0.0095 points.

Longest Streak 6 Mo.

Sharpest MoM Drop -0.0095

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2014: 0.8234) against the same month in 2013 (average: 0.7750), the exchange rate shifted by +0.0483 (+6.24%).

2014 Avg (December) 0.8234

2013 Avg (December) 0.7750

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.7819	0.7698	0.7768
February	0.7809	0.7638	0.7715
March	0.7669	0.7559	0.7620
April	0.7671	0.7526	0.7590
May	0.7650	0.7454	0.7569
June	0.7748	0.7607	0.7680
July	0.7872	0.7646	0.7769
August	0.8036	0.7851	0.7922
September	0.8208	0.7977	0.8105
October	0.8288	0.8087	0.8183
November	0.8312	0.8219	0.8265
December	0.8358	0.8104	0.8234