2012 HNL to SBD Historical Review

YEARLY HIGH

0.4014 SBD

YEARLY LOW

0.3560 SBD

YEARLY AVERAGE

0.3693 SBD

2012 HNL to SBD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2012

During 2012, the HNL to SBD exchange rate experienced significant fluctuation. The market reached its absolute peak on January 1, valuing the pair at 0.4014. Conversely, the yearly low was recorded on December 27, dropping to 0.3560.

This high-to-low spread represents a total annual volatility of 0.0454 SBD. From a start-to-finish perspective, comparing the January average rate of 0.3854 to the December average rate of 0.3577, the exchange rate registered a net change of -7.20% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2012 high of 0.4014 was down 4.72% compared to the 2011 peak of 0.4213, 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 2,007 SBD

2011 Average 2,012 SBD

Yearly Trough Low 1,780 SBD

Transaction Impact: A difference of 227.21 SBD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2012.

0.3882

0.3549

JanuMarcMayJulySeptNove

HNL to SBD 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 0.3754, compared to 0.3633 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0121 points.

H1 Avg (Jan–Jun) 0.3754

H2 Avg (Jul–Dec) 0.3633

Volatility Range Comparison

Volatility

The most volatile month in 2012 was January, with a trading range of 0.0300 SBD (High: 0.4014 / Low: 0.3714). On the other end, April was the most stable month, with a tight range of 0.0041 SBD (High: 0.3760 / Low: 0.3719).

January Spread (Volatile) ±0.0300

April Spread (Stable) ±0.0041

Growth Streaks & Declines

Trends

No sustained consecutive month-over-month growth streak of 2+ months occurred in 2012. Conversely, the sharpest month-over-month decline occurred between January and February, when the average rate fell by 0.0155 points.

Longest Streak 1 Mo.

Sharpest MoM Drop -0.0155

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2012: 0.3854) against the same month in 2011 (average: 0.4123), the exchange rate shifted by -0.0269 (-6.52%).

2012 Avg (January) 0.3854

2011 Avg (January) 0.4123

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.4014	0.3714	0.3854
February	0.3734	0.3671	0.3699
March	0.3767	0.3725	0.3746
April	0.3760	0.3719	0.3742
May	0.3861	0.3729	0.3801
June	0.3777	0.3652	0.3680
July	0.3863	0.3647	0.3763
August	0.3710	0.3604	0.3632
September	0.3642	0.3596	0.3616
October	0.3675	0.3589	0.3619
November	0.3629	0.3573	0.3592
December	0.3616	0.3560	0.3577