2012 HRK to ISK Historical Review

YEARLY HIGH

22.6164 ISK

YEARLY LOW

19.6141 ISK

YEARLY AVERAGE

21.3861 ISK

2012 HRK to ISK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2012

During 2012, the HRK to ISK exchange rate experienced significant fluctuation. The market reached its absolute peak on December 30, valuing the pair at 22.6164. Conversely, the yearly low was recorded on August 9, dropping to 19.6141.

This high-to-low spread represents a total annual volatility of 3.0022 ISK. From a start-to-finish perspective, comparing the January average rate of 21.1106 to the December average rate of 22.0681, the exchange rate registered a net change of 4.54% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2012 high of 22.6164 was up 0.23% compared to the 2011 peak of 22.5643, 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 113,082 ISK

2011 Average 108,529 ISK

Yearly Trough Low 98,071 ISK

Transaction Impact: A difference of 15,011.18 ISK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2012.

22.4794

19.6626

JanuMarcMayJulySeptNove

HRK to ISK 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 21.6188, compared to 21.1534 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.4655 points.

H1 Avg (Jan–Jun) 21.6188

H2 Avg (Jul–Dec) 21.1534

Volatility Range Comparison

Volatility

The most volatile month in 2012 was July, with a trading range of 1.3449 ISK (High: 21.1253 / Low: 19.7804). On the other end, November was the most stable month, with a tight range of 0.3487 ISK (High: 21.8434 / Low: 21.4947).

July Spread (Volatile) ±1.3449

November Spread (Stable) ±0.3487

Growth Streaks & Declines

Trends

Between August and December, 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 July and August, when the average rate fell by 0.7260 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.7260

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2012: 22.0681) against the same month in 2011 (average: 21.2033), the exchange rate shifted by +0.8648 (+4.08%).

2012 Avg (December) 22.0681

2011 Avg (December) 21.2033

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	21.3949	20.8926	21.1106
February	22.3129	21.1853	21.5075
March	22.4783	21.7550	22.1122
April	22.5006	22.0513	22.2447
May	22.2149	21.3340	21.5650
June	21.4329	20.8823	21.1728
July	21.1253	19.7804	20.6233
August	20.5612	19.6141	19.8973
September	21.6585	20.5204	21.2547
October	21.9553	21.0796	21.4354
November	21.8434	21.4947	21.6414
December	22.6164	21.6639	22.0681