2012 BBD to HRK Historical Review

YEARLY HIGH

3.1050 HRK

YEARLY LOW

2.8142 HRK

YEARLY AVERAGE

2.9264 HRK

2012 BBD to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2012

During 2012, the BBD to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on July 24, valuing the pair at 3.1050. Conversely, the yearly low was recorded on February 28, dropping to 2.8142.

This high-to-low spread represents a total annual volatility of 0.2908 HRK. From a start-to-finish perspective, comparing the January average rate of 2.9288 to the December average rate of 2.8711, the exchange rate registered a net change of -1.97% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2012 high of 3.1050 was up 6.39% compared to the 2011 peak of 2.9186, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 15,525 HRK

2011 Average 13,373 HRK

Yearly Trough Low 14,071 HRK

Transaction Impact: A difference of 1,454.07 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2012.

3.0735

2.8278

JanuMarcMayJulySeptNove

BBD 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 2.9089, compared to 2.9440 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0350 points.

H1 Avg (Jan–Jun) 2.9089

H2 Avg (Jul–Dec) 2.9440

Volatility Range Comparison

Volatility

The most volatile month in 2012 was May, with a trading range of 0.2207 HRK (High: 3.0531 / Low: 2.8324). On the other end, April was the most stable month, with a tight range of 0.0528 HRK (High: 2.8677 / Low: 2.8149).

May Spread (Volatile) ±0.2207

April Spread (Stable) ±0.0528

Growth Streaks & Declines

Trends

Between April and July, 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 August and September, when the average rate fell by 0.1320 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.1320

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (July 2012: 3.0530) against the same month in 2011 (average: 2.6003), the exchange rate shifted by +0.4528 (+17.41%).

2012 Avg (July) 3.0530

2011 Avg (July) 2.6003

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	2.9836	2.8715	2.9288
February	2.9140	2.8142	2.8672
March	2.8859	2.8143	2.8545
April	2.8677	2.8149	2.8483
May	3.0531	2.8324	2.9438
June	3.0591	2.9688	3.0110
July	3.1050	2.9768	3.0530
August	3.0667	2.9654	3.0194
September	2.9705	2.8206	2.8873
October	2.9189	2.8638	2.8940
November	2.9668	2.9012	2.9389
December	2.9106	2.8416	2.8711