2012 DJF to HRK Historical Review

YEARLY HIGH

0.0349 HRK

YEARLY LOW

0.0314 HRK

YEARLY AVERAGE

0.0328 HRK

2012 DJF to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2012

During 2012, the DJF to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on July 24, valuing the pair at 0.0349. Conversely, the yearly low was recorded on February 29, dropping to 0.0314.

This high-to-low spread represents a total annual volatility of 0.0035 HRK. From a start-to-finish perspective, comparing the January average rate of 0.0328 to the December average rate of 0.0323, the exchange rate registered a net change of -1.66% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2012 high of 0.0349 was up 6.70% compared to the 2011 peak of 0.0327, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 175 HRK

2011 Average 150 HRK

Yearly Trough Low 157 HRK

Transaction Impact: A difference of 17.54 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2012.

0.0346

0.0316

JanuMarcMayJulySeptNove

DJF 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 0.0326, compared to 0.0331 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0005 points.

H1 Avg (Jan–Jun) 0.0326

H2 Avg (Jul–Dec) 0.0331

Volatility Range Comparison

Volatility

The most volatile month in 2012 was May, with a trading range of 0.0026 HRK (High: 0.0342 / Low: 0.0316). On the other end, April was the most stable month, with a tight range of 0.0005 HRK (High: 0.0321 / Low: 0.0315).

May Spread (Volatile) ±0.0026

April Spread (Stable) ±0.0005

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 0.0015 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0015

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (July 2012: 0.0343) against the same month in 2011 (average: 0.0293), the exchange rate shifted by +0.0051 (+17.28%).

2012 Avg (July) 0.0343

2011 Avg (July) 0.0293

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0334	0.0322	0.0328
February	0.0327	0.0314	0.0321
March	0.0323	0.0315	0.0320
April	0.0321	0.0315	0.0318
May	0.0342	0.0316	0.0329
June	0.0341	0.0331	0.0337
July	0.0349	0.0335	0.0343
August	0.0345	0.0333	0.0339
September	0.0333	0.0316	0.0324
October	0.0328	0.0321	0.0325
November	0.0334	0.0326	0.0330
December	0.0328	0.0319	0.0323