2012 HRK to BAM Historical Review

YEARLY HIGH

0.2652 BAM

YEARLY LOW

0.2569 BAM

YEARLY AVERAGE

0.2603 BAM

2012 HRK to BAM Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2012

During 2012, the HRK to BAM exchange rate experienced significant fluctuation. The market reached its absolute peak on September 23, valuing the pair at 0.2652. Conversely, the yearly low was recorded on February 12, dropping to 0.2569.

This high-to-low spread represents a total annual volatility of 0.0083 BAM. From a start-to-finish perspective, comparing the January average rate of 0.2590 to the December average rate of 0.2600, the exchange rate registered a net change of 0.35% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2012 high of 0.2652 was down 0.76% compared to the 2011 peak of 0.2672, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 1,326 BAM

2011 Average 1,316 BAM

Yearly Trough Low 1,284 BAM

Transaction Impact: A difference of 41.45 BAM purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2012.

0.2640

0.2576

JanuMarcMayJulySeptNove

HRK to BAM 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 0.2595, compared to 0.2610 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0015 points.

H1 Avg (Jan–Jun) 0.2595

H2 Avg (Jul–Dec) 0.2610

Volatility Range Comparison

Volatility

The most volatile month in 2012 was October, with a trading range of 0.0054 BAM (High: 0.2636 / Low: 0.2582). On the other end, November was the most stable month, with a tight range of 0.0019 BAM (High: 0.2604 / Low: 0.2585).

October Spread (Volatile) ±0.0054

November Spread (Stable) ±0.0019

Growth Streaks & Declines

Trends

Between June and September, 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 September and October, when the average rate fell by 0.0028 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0028

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (September 2012: 0.2634) against the same month in 2011 (average: 0.2612), the exchange rate shifted by +0.0022 (+0.84%).

2012 Avg (September) 0.2634

2011 Avg (September) 0.2612

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.2602	0.2578	0.2590
February	0.2597	0.2569	0.2582
March	0.2609	0.2587	0.2596
April	0.2623	0.2593	0.2611
May	0.2622	0.2576	0.2598
June	0.2605	0.2579	0.2594
July	0.2618	0.2572	0.2608
August	0.2630	0.2584	0.2615
September	0.2652	0.2617	0.2634
October	0.2636	0.2582	0.2606
November	0.2604	0.2585	0.2596
December	0.2609	0.2588	0.2600