2012 BOB to HRK Historical Review

YEARLY HIGH

0.8886 HRK

YEARLY LOW

0.8086 HRK

YEARLY AVERAGE

0.8429 HRK

2012 BOB to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2012

During 2012, the BOB to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on July 24, valuing the pair at 0.8886. Conversely, the yearly low was recorded on September 16, dropping to 0.8086.

This high-to-low spread represents a total annual volatility of 0.0800 HRK. From a start-to-finish perspective, comparing the January average rate of 0.8496 to the December average rate of 0.8218, the exchange rate registered a net change of -3.27% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2012 high of 0.8886 was up 4.75% compared to the 2011 peak of 0.8483, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 4,443 HRK

2011 Average 3,839 HRK

Yearly Trough Low 4,043 HRK

Transaction Impact: A difference of 400.01 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2012.

0.8808

0.8165

JanuMarcMayJulySeptNove

BOB 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 0.8426, compared to 0.8432 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0006 points.

H1 Avg (Jan–Jun) 0.8426

H2 Avg (Jul–Dec) 0.8432

Volatility Range Comparison

Volatility

The most volatile month in 2012 was May, with a trading range of 0.0560 HRK (High: 0.8789 / Low: 0.8228). On the other end, October was the most stable month, with a tight range of 0.0143 HRK (High: 0.8359 / Low: 0.8216).

May Spread (Volatile) ±0.0560

October Spread (Stable) ±0.0143

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 0.0373 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0373

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (July 2012: 0.8754) against the same month in 2011 (average: 0.7468), the exchange rate shifted by +0.1286 (+17.23%).

2012 Avg (July) 0.8754

2011 Avg (July) 0.7468

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.8668	0.8327	0.8496
February	0.8441	0.8147	0.8316
March	0.8384	0.8146	0.8272
April	0.8327	0.8148	0.8265
May	0.8789	0.8228	0.8524
June	0.8838	0.8554	0.8685
July	0.8886	0.8518	0.8754
August	0.8784	0.8491	0.8649
September	0.8511	0.8086	0.8276
October	0.8359	0.8216	0.8285
November	0.8484	0.8298	0.8410
December	0.8344	0.8116	0.8218