2012 HRK to JMD Historical Review

YEARLY HIGH

16.2763 JMD

YEARLY LOW

14.3109 JMD

YEARLY AVERAGE

15.1044 JMD

2012 HRK to JMD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2012

During 2012, the HRK to JMD exchange rate experienced significant fluctuation. The market reached its absolute peak on December 19, valuing the pair at 16.2763. Conversely, the yearly low was recorded on July 24, dropping to 14.3109.

This high-to-low spread represents a total annual volatility of 1.9653 JMD. From a start-to-finish perspective, comparing the January average rate of 14.7113 to the December average rate of 16.0134, the exchange rate registered a net change of 8.85% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2012 high of 16.2763 was down 5.31% compared to the 2011 peak of 17.1896, 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 81,381 JMD

2011 Average 80,399 JMD

Yearly Trough Low 71,555 JMD

Transaction Impact: A difference of 9,826.65 JMD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2012.

16.1647

14.3495

JanuMarcMayJulySeptNove

HRK to JMD 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 14.9216, compared to 15.2871 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.3655 points.

H1 Avg (Jan–Jun) 14.9216

H2 Avg (Jul–Dec) 15.2871

Volatility Range Comparison

Volatility

The most volatile month in 2012 was May, with a trading range of 1.0114 JMD (High: 15.3233 / Low: 14.3118). On the other end, October was the most stable month, with a tight range of 0.2324 JMD (High: 15.6481 / Low: 15.4157).

May Spread (Volatile) ±1.0114

October Spread (Stable) ±0.2324

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 0.4197 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.4197

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2012: 16.0134) against the same month in 2011 (average: 15.1250), the exchange rate shifted by +0.8884 (+5.87%).

2012 Avg (December) 16.0134

2011 Avg (December) 15.1250

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	15.0136	14.4516	14.7113
February	15.3851	14.8026	15.0537
March	15.4125	14.9743	15.1738
April	15.4088	15.0973	15.2133
May	15.3233	14.3118	14.7936
June	14.7808	14.3678	14.5840
July	14.7849	14.3109	14.5008
August	15.0431	14.5246	14.7589
September	15.8147	15.0246	15.4651
October	15.6481	15.4157	15.5417
November	15.7063	15.2935	15.4429
December	16.2763	15.7037	16.0134