2014 ZAR to HRK Historical Review

YEARLY HIGH

0.5654 HRK

YEARLY LOW

0.4970 HRK

YEARLY AVERAGE

0.5305 HRK

2014 ZAR to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2014

During 2014, the ZAR to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on November 23, valuing the pair at 0.5654. Conversely, the yearly low was recorded on January 29, dropping to 0.4970.

This high-to-low spread represents a total annual volatility of 0.0684 HRK. From a start-to-finish perspective, comparing the January average rate of 0.5165 to the December average rate of 0.5419, the exchange rate registered a net change of 4.92% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2014 high of 0.5654 was down 16.48% compared to the 2013 peak of 0.6771, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

Comparing the value generated converting 50,000 ZAR based on timing:

Yearly Peak High 28,272 HRK

2013 Average 29,689 HRK

Yearly Trough Low 24,852 HRK

Transaction Impact: A difference of 3,420.23 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2014.

0.5589

0.5067

JanuMarcMayJulySeptNove

ZAR 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 0.5201, compared to 0.5409 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0208 points.

H1 Avg (Jan–Jun) 0.5201

H2 Avg (Jul–Dec) 0.5409

Volatility Range Comparison

Volatility

The most volatile month in 2014 was December, with a trading range of 0.0327 HRK (High: 0.5593 / Low: 0.5266). On the other end, June was the most stable month, with a tight range of 0.0088 HRK (High: 0.5256 / Low: 0.5169).

December Spread (Volatile) ±0.0327

June Spread (Stable) ±0.0088

Growth Streaks & Declines

Trends

Between June and November, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 5 straight months. Conversely, the sharpest month-over-month decline occurred between November and December, when the average rate fell by 0.0127 points.

Longest Streak 5 Mo.

Sharpest MoM Drop -0.0127

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (November 2014: 0.5546) against the same month in 2013 (average: 0.5545), the exchange rate shifted by +0.0001 (+0.02%).

2014 Avg (November) 0.5546

2013 Avg (November) 0.5545

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.5273	0.4970	0.5165
February	0.5208	0.5034	0.5111
March	0.5266	0.5098	0.5154
April	0.5298	0.5158	0.5236
May	0.5406	0.5195	0.5315
June	0.5256	0.5169	0.5223
July	0.5403	0.5171	0.5274
August	0.5445	0.5317	0.5375
September	0.5505	0.5318	0.5385
October	0.5579	0.5369	0.5454
November	0.5654	0.5463	0.5546
December	0.5593	0.5266	0.5419