2012 HRK to LTL Historical Review

YEARLY HIGH

0.4673 LTL

YEARLY LOW

0.4532 LTL

YEARLY AVERAGE

0.4591 LTL

2012 HRK to LTL Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2012

During 2012, the HRK to LTL exchange rate experienced significant fluctuation. The market reached its absolute peak on September 23, valuing the pair at 0.4673. Conversely, the yearly low was recorded on July 29, dropping to 0.4532.

This high-to-low spread represents a total annual volatility of 0.0141 LTL. From a start-to-finish perspective, comparing the January average rate of 0.4569 to the December average rate of 0.4584, the exchange rate registered a net change of 0.33% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2012 high of 0.4673 was down 0.50% compared to the 2011 peak of 0.4696, 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 2,337 LTL

2011 Average 2,321 LTL

Yearly Trough Low 2,266 LTL

Transaction Impact: A difference of 70.69 LTL purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2012.

0.4658

0.4544

JanuMarcMayJulySeptNove

HRK to LTL 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 0.4578, compared to 0.4604 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0026 points.

H1 Avg (Jan–Jun) 0.4578

H2 Avg (Jul–Dec) 0.4604

Volatility Range Comparison

Volatility

The most volatile month in 2012 was October, with a trading range of 0.0085 LTL (High: 0.4650 / Low: 0.4565). On the other end, November was the most stable month, with a tight range of 0.0024 LTL (High: 0.4591 / Low: 0.4567).

October Spread (Volatile) ±0.0085

November Spread (Stable) ±0.0024

Growth Streaks & Declines

Trends

Between June and September, 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 September and October, when the average rate fell by 0.0052 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0052

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (September 2012: 0.4649) against the same month in 2011 (average: 0.4607), the exchange rate shifted by +0.0042 (+0.91%).

2012 Avg (September) 0.4649

2011 Avg (September) 0.4607

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.4583	0.4551	0.4569
February	0.4573	0.4542	0.4554
March	0.4599	0.4562	0.4580
April	0.4627	0.4577	0.4605
May	0.4606	0.4550	0.4580
June	0.4594	0.4563	0.4577
July	0.4615	0.4532	0.4600
August	0.4632	0.4584	0.4613
September	0.4673	0.4621	0.4649
October	0.4650	0.4565	0.4597
November	0.4591	0.4567	0.4580
December	0.4594	0.4568	0.4584