2012 HRK to BIF Historical Review

YEARLY HIGH

270.5430 BIF

YEARLY LOW

215.6642 BIF

YEARLY AVERAGE

239.8220 BIF

2012 HRK to BIF Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2012

During 2012, the HRK to BIF exchange rate experienced significant fluctuation. The market reached its absolute peak on December 27, valuing the pair at 270.5430. Conversely, the yearly low was recorded on January 16, dropping to 215.6642.

This high-to-low spread represents a total annual volatility of 54.8788 BIF. From a start-to-finish perspective, comparing the January average rate of 221.7112 to the December average rate of 265.4897, the exchange rate registered a net change of 19.75% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2012 high of 270.5430 was up 9.41% compared to the 2011 peak of 247.2753, 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 1,352,715 BIF

2011 Average 1,132,285 BIF

Yearly Trough Low 1,078,321 BIF

Transaction Impact: A difference of 274,394.13 BIF purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2012.

269.8675

217.3334

JanuMarcMayJulySeptNove

HRK to BIF 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 229.4466, compared to 250.1974 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 20.7509 points.

H1 Avg (Jan–Jun) 229.4466

H2 Avg (Jul–Dec) 250.1974

Volatility Range Comparison

Volatility

The most volatile month in 2012 was April, with a trading range of 19.7263 BIF (High: 243.6056 / Low: 223.8793). On the other end, March was the most stable month, with a tight range of 5.8965 BIF (High: 229.9026 / Low: 224.0060).

April Spread (Volatile) ±19.7263

March Spread (Stable) ±5.8965

Growth Streaks & Declines

Trends

Between January and May, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 4 straight months. Conversely, the sharpest month-over-month decline occurred between May and June, when the average rate fell by 3.1061 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -3.1061

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2012: 265.4897) against the same month in 2011 (average: 225.9589), the exchange rate shifted by +39.5308 (+17.49%).

2012 Avg (December) 265.4897

2011 Avg (December) 225.9589

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	226.4688	215.6642	221.7112
February	231.9502	222.6255	226.8262
March	229.9026	224.0060	227.3872
April	243.6056	223.8793	230.9387
May	242.8825	228.8839	236.4612
June	238.0943	228.6353	233.3551
July	238.7164	229.6078	233.8157
August	242.7712	235.7384	238.9974
September	260.6746	242.2887	252.1588
October	259.4880	253.1533	256.2810
November	262.1598	249.0685	254.4421
December	270.5430	258.6807	265.4897