2012 HRK to LRD Historical Review

YEARLY HIGH

13.1842 LRD

YEARLY LOW

12.0210 LRD

YEARLY AVERAGE

12.5966 LRD

2012 HRK to LRD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2012

During 2012, the HRK to LRD exchange rate experienced significant fluctuation. The market reached its absolute peak on September 16, valuing the pair at 13.1842. Conversely, the yearly low was recorded on July 24, dropping to 12.0210.

This high-to-low spread represents a total annual volatility of 1.1631 LRD. From a start-to-finish perspective, comparing the January average rate of 12.4119 to the December average rate of 12.7300, the exchange rate registered a net change of 2.56% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2012 high of 13.1842 was down 9.83% compared to the 2011 peak of 14.6212, 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 65,921 LRD

2011 Average 67,459 LRD

Yearly Trough Low 60,105 LRD

Transaction Impact: A difference of 5,815.75 LRD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2012.

13.0171

12.1459

JanuMarcMayJulySeptNove

HRK to LRD 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 12.6655, compared to 12.5277 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.1378 points.

H1 Avg (Jan–Jun) 12.6655

H2 Avg (Jul–Dec) 12.5277

Volatility Range Comparison

Volatility

The most volatile month in 2012 was May, with a trading range of 0.8980 LRD (High: 13.1052 / Low: 12.2072). On the other end, April was the most stable month, with a tight range of 0.2546 LRD (High: 13.0932 / Low: 12.8386).

May Spread (Volatile) ±0.8980

April Spread (Stable) ±0.2546

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 0.3315 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.3315

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (September 2012: 12.7839) against the same month in 2011 (average: 13.2135), the exchange rate shifted by -0.4295 (-3.25%).

2012 Avg (September) 12.7839

2011 Avg (September) 13.2135

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	12.8190	12.1287	12.4119
February	13.0516	12.4794	12.7725
March	13.0687	12.6892	12.8710
April	13.0932	12.8386	12.9445
May	13.1052	12.2072	12.6131
June	12.5721	12.1297	12.3798
July	12.5013	12.0210	12.2185
August	12.4961	12.0847	12.2626
September	13.1842	12.4536	12.7839
October	12.8824	12.3911	12.6358
November	12.7533	12.3558	12.5351
December	12.9505	12.5405	12.7300