2012 HNL to HRK Historical Review

YEARLY HIGH

0.3255 HRK

YEARLY LOW

0.2858 HRK

YEARLY AVERAGE

0.3031 HRK

2012 HNL to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2012

During 2012, the HNL to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on July 24, valuing the pair at 0.3255. Conversely, the yearly low was recorded on December 19, dropping to 0.2858.

This high-to-low spread represents a total annual volatility of 0.0398 HRK. From a start-to-finish perspective, comparing the January average rate of 0.3076 to the December average rate of 0.2894, the exchange rate registered a net change of -5.91% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2012 high of 0.3255 was up 5.78% compared to the 2011 peak of 0.3077, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 1,628 HRK

2011 Average 1,414 HRK

Yearly Trough Low 1,429 HRK

Transaction Impact: A difference of 198.87 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2012.

0.3233

0.2863

JanuMarcMayJulySeptNove

HNL 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 0.3053, compared to 0.3010 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0043 points.

H1 Avg (Jan–Jun) 0.3053

H2 Avg (Jul–Dec) 0.3010

Volatility Range Comparison

Volatility

The most volatile month in 2012 was May, with a trading range of 0.0231 HRK (High: 0.3202 / Low: 0.2971). On the other end, October was the most stable month, with a tight range of 0.0053 HRK (High: 0.2966 / Low: 0.2913).

May Spread (Volatile) ±0.0231

October Spread (Stable) ±0.0053

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 0.0158 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0158

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (July 2012: 0.3202) against the same month in 2011 (average: 0.2751), the exchange rate shifted by +0.0451 (+16.39%).

2012 Avg (July) 0.3202

2011 Avg (July) 0.2751

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.3133	0.3013	0.3076
February	0.3057	0.2952	0.3008
March	0.3029	0.2952	0.2995
April	0.3009	0.2953	0.2989
May	0.3202	0.2971	0.3089
June	0.3210	0.3122	0.3160
July	0.3255	0.3125	0.3202
August	0.3205	0.3029	0.3104
September	0.3036	0.2881	0.2946
October	0.2966	0.2913	0.2940
November	0.2999	0.2931	0.2972
December	0.2942	0.2858	0.2894