2012 BZD to HRK Historical Review

YEARLY HIGH

3.2658 HRK

YEARLY LOW

2.8424 HRK

YEARLY AVERAGE

2.9946 HRK

2012 BZD to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2012

During 2012, the BZD to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on July 29, valuing the pair at 3.2658. Conversely, the yearly low was recorded on December 19, dropping to 2.8424.

This high-to-low spread represents a total annual volatility of 0.4235 HRK. From a start-to-finish perspective, comparing the January average rate of 2.9536 to the December average rate of 2.8854, the exchange rate registered a net change of -2.31% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2012 high of 3.2658 was up 11.49% compared to the 2011 peak of 2.9292, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 16,329 HRK

2011 Average 13,442 HRK

Yearly Trough Low 14,212 HRK

Transaction Impact: A difference of 2,117.37 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2012.

3.2185

2.8551

JanuMarcMayJulySeptNove

BZD 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 2.9634, compared to 3.0257 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0623 points.

H1 Avg (Jan–Jun) 2.9634

H2 Avg (Jul–Dec) 3.0257

Volatility Range Comparison

Volatility

The most volatile month in 2012 was September, with a trading range of 0.2587 HRK (High: 3.1461 / Low: 2.8875). On the other end, April was the most stable month, with a tight range of 0.0660 HRK (High: 2.9311 / Low: 2.8651).

September Spread (Volatile) ±0.2587

April Spread (Stable) ±0.0660

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 0.1639 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.1639

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (July 2012: 3.1882) against the same month in 2011 (average: 2.6136), the exchange rate shifted by +0.5745 (+21.98%).

2012 Avg (July) 3.1882

2011 Avg (July) 2.6136

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	3.0225	2.9048	2.9536
February	2.9520	2.8764	2.9134
March	2.9497	2.8644	2.9153
April	2.9311	2.8651	2.9072
May	3.1205	2.8950	3.0096
June	3.1268	3.0442	3.0815
July	3.2658	3.0284	3.1882
August	3.2347	3.0511	3.1749
September	3.1461	2.8875	3.0111
October	3.0816	2.8777	2.9423
November	2.9940	2.9116	2.9526
December	2.9376	2.8424	2.8854