2014 SVC to HRK Historical Review

YEARLY HIGH

0.7208 HRK

YEARLY LOW

0.6232 HRK

YEARLY AVERAGE

0.6576 HRK

2014 SVC to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2014

During 2014, the SVC to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on December 31, valuing the pair at 0.7208. Conversely, the yearly low was recorded on May 6, dropping to 0.6232.

This high-to-low spread represents a total annual volatility of 0.0976 HRK. From a start-to-finish perspective, comparing the January average rate of 0.6403 to the December average rate of 0.7114, the exchange rate registered a net change of 11.11% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2014 high of 0.7208 was up 6.24% compared to the 2013 peak of 0.6785, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 3,604 HRK

2013 Average 3,262 HRK

Yearly Trough Low 3,116 HRK

Transaction Impact: A difference of 487.79 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2014.

0.7194

0.6228

JanuMarcMayJulySeptNove

SVC 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 0.6357, compared to 0.6796 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0439 points.

H1 Avg (Jan–Jun) 0.6357

H2 Avg (Jul–Dec) 0.6796

Volatility Range Comparison

Volatility

The most volatile month in 2014 was September, with a trading range of 0.0271 HRK (High: 0.6890 / Low: 0.6619). On the other end, June was the most stable month, with a tight range of 0.0068 HRK (High: 0.6400 / Low: 0.6332).

September Spread (Volatile) ±0.0271

June Spread (Stable) ±0.0068

Growth Streaks & Declines

Trends

Between April and December, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 8 straight months. Conversely, the sharpest month-over-month decline occurred between February and March, when the average rate fell by 0.0077 points.

Longest Streak 8 Mo.

Sharpest MoM Drop -0.0077

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2014: 0.7114) against the same month in 2013 (average: 0.6369), the exchange rate shifted by +0.0745 (+11.69%).

2014 Avg (December) 0.7114

2013 Avg (December) 0.6369

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.6461	0.6327	0.6403
February	0.6476	0.6345	0.6409
March	0.6369	0.6290	0.6332
April	0.6369	0.6269	0.6309
May	0.6378	0.6232	0.6321
June	0.6400	0.6332	0.6367
July	0.6517	0.6331	0.6425
August	0.6622	0.6507	0.6547
September	0.6890	0.6619	0.6753
October	0.6981	0.6860	0.6906
November	0.7077	0.6988	0.7033
December	0.7208	0.7033	0.7114