2012 HNL to JMD Historical Review

YEARLY HIGH

4.6722 JMD

YEARLY LOW

4.5126 JMD

YEARLY AVERAGE

4.5741 JMD

2012 HNL to JMD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2012

During 2012, the HNL to JMD exchange rate experienced significant fluctuation. The market reached its absolute peak on July 30, valuing the pair at 4.6722. Conversely, the yearly low was recorded on February 5, dropping to 4.5126.

This high-to-low spread represents a total annual volatility of 0.1596 JMD. From a start-to-finish perspective, comparing the January average rate of 4.5244 to the December average rate of 4.6340, the exchange rate registered a net change of 2.42% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2012 high of 4.6722 was up 1.30% compared to the 2011 peak of 4.6123, 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 23,361 JMD

2011 Average 22,714 JMD

Yearly Trough Low 22,563 JMD

Transaction Impact: A difference of 797.84 JMD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2012.

4.6542

4.5126

JanuMarcMayJulySeptNove

HNL to JMD 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 4.5534, compared to 4.5949 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0415 points.

H1 Avg (Jan–Jun) 4.5534

H2 Avg (Jul–Dec) 4.5949

Volatility Range Comparison

Volatility

The most volatile month in 2012 was August, with a trading range of 0.0983 JMD (High: 4.6548 / Low: 4.5565). On the other end, September was the most stable month, with a tight range of 0.0184 JMD (High: 4.5647 / Low: 4.5463).

August Spread (Volatile) ±0.0983

September Spread (Stable) ±0.0184

Growth Streaks & Declines

Trends

Between January and July, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 6 straight months. Conversely, the sharpest month-over-month decline occurred between July and August, when the average rate fell by 0.0620 points.

Longest Streak 6 Mo.

Sharpest MoM Drop -0.0620

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (July 2012: 4.6424) against the same month in 2011 (average: 4.5126), the exchange rate shifted by +0.1299 (+2.88%).

2012 Avg (July) 4.6424

2011 Avg (July) 4.5126

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	4.5499	4.5127	4.5244
February	4.5523	4.5126	4.5283
March	4.5706	4.5231	4.5437
April	4.5626	4.5395	4.5477
May	4.5954	4.5425	4.5676
June	4.6388	4.5842	4.6087
July	4.6722	4.5914	4.6424
August	4.6548	4.5565	4.5804
September	4.5647	4.5463	4.5543
October	4.5965	4.5466	4.5688
November	4.6051	4.5789	4.5894
December	4.6536	4.6052	4.6340