2012 HRK to BOB Historical Review

YEARLY HIGH

1.2367 BOB

YEARLY LOW

1.1254 BOB

YEARLY AVERAGE

1.1870 BOB

2012 HRK to BOB Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2012

During 2012, the HRK to BOB exchange rate experienced significant fluctuation. The market reached its absolute peak on September 16, valuing the pair at 1.2367. Conversely, the yearly low was recorded on July 24, dropping to 1.1254.

This high-to-low spread represents a total annual volatility of 0.1113 BOB. From a start-to-finish perspective, comparing the January average rate of 1.1771 to the December average rate of 1.2168, the exchange rate registered a net change of 3.38% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2012 high of 1.2367 was down 12.51% compared to the 2011 peak of 1.4136, 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 6,184 BOB

2011 Average 6,523 BOB

Yearly Trough Low 5,627 BOB

Transaction Impact: A difference of 556.75 BOB purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2012.

1.2243

1.1350

JanuMarcMayJulySeptNove

HRK to BOB 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 1.1873, compared to 1.1867 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0006 points.

H1 Avg (Jan–Jun) 1.1873

H2 Avg (Jul–Dec) 1.1867

Volatility Range Comparison

Volatility

The most volatile month in 2012 was May, with a trading range of 0.0775 BOB (High: 1.2153 / Low: 1.1378). On the other end, October was the most stable month, with a tight range of 0.0208 BOB (High: 1.2171 / Low: 1.1963).

May Spread (Volatile) ±0.0775

October Spread (Stable) ±0.0208

Growth Streaks & Declines

Trends

Between January and April, 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 April and May, when the average rate fell by 0.0364 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0364

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (September 2012: 1.2086) against the same month in 2011 (average: 1.2776), the exchange rate shifted by -0.0690 (-5.40%).

2012 Avg (September) 1.2086

2011 Avg (September) 1.2776

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	1.2009	1.1536	1.1771
February	1.2275	1.1847	1.2026
March	1.2276	1.1928	1.2090
April	1.2273	1.2009	1.2100
May	1.2153	1.1378	1.1736
June	1.1691	1.1314	1.1515
July	1.1740	1.1254	1.1424
August	1.1777	1.1385	1.1563
September	1.2367	1.1750	1.2086
October	1.2171	1.1963	1.2071
November	1.2051	1.1787	1.1891
December	1.2321	1.1985	1.2168