2012 HRK to BZD Historical Review

YEARLY HIGH

0.3518 BZD

YEARLY LOW

0.3062 BZD

YEARLY AVERAGE

0.3344 BZD

2012 HRK to BZD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2012

During 2012, the HRK to BZD exchange rate experienced significant fluctuation. The market reached its absolute peak on December 19, valuing the pair at 0.3518. Conversely, the yearly low was recorded on July 29, dropping to 0.3062.

This high-to-low spread represents a total annual volatility of 0.0456 BZD. From a start-to-finish perspective, comparing the January average rate of 0.3386 to the December average rate of 0.3466, the exchange rate registered a net change of 2.36% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2012 high of 0.3518 was down 12.49% compared to the 2011 peak of 0.4020, 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 1,759 BZD

2011 Average 1,862 BZD

Yearly Trough Low 1,531 BZD

Transaction Impact: A difference of 228.10 BZD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2012.

0.3499

0.3105

JanuMarcMayJulySeptNove

HRK to BZD 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 0.3376, compared to 0.3311 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0066 points.

H1 Avg (Jan–Jun) 0.3376

H2 Avg (Jul–Dec) 0.3311

Volatility Range Comparison

Volatility

The most volatile month in 2012 was September, with a trading range of 0.0285 BZD (High: 0.3463 / Low: 0.3179). On the other end, April was the most stable month, with a tight range of 0.0079 BZD (High: 0.3490 / Low: 0.3412).

September Spread (Volatile) ±0.0285

April Spread (Stable) ±0.0079

Growth Streaks & Declines

Trends

Between July and October, 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 0.0115 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0115

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2012: 0.3466) against the same month in 2011 (average: 0.3495), the exchange rate shifted by -0.0029 (-0.83%).

2012 Avg (December) 0.3466

2011 Avg (December) 0.3495

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.3443	0.3308	0.3386
February	0.3477	0.3388	0.3433
March	0.3491	0.3390	0.3430
April	0.3490	0.3412	0.3440
May	0.3454	0.3205	0.3324
June	0.3285	0.3198	0.3245
July	0.3302	0.3062	0.3138
August	0.3278	0.3091	0.3151
September	0.3463	0.3179	0.3323
October	0.3475	0.3245	0.3400
November	0.3434	0.3340	0.3387
December	0.3518	0.3404	0.3466