2012 HRK to NGN Historical Review

YEARLY HIGH

28.0190 NGN

YEARLY LOW

25.6705 NGN

YEARLY AVERAGE

27.1371 NGN

2012 HRK to NGN Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2012

During 2012, the HRK to NGN exchange rate experienced significant fluctuation. The market reached its absolute peak on February 28, valuing the pair at 28.0190. Conversely, the yearly low was recorded on July 25, dropping to 25.6705.

This high-to-low spread represents a total annual volatility of 2.3485 NGN. From a start-to-finish perspective, comparing the January average rate of 27.5471 to the December average rate of 27.3713, the exchange rate registered a net change of -0.64% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2012 high of 28.0190 was down 10.18% compared to the 2011 peak of 31.1960, 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 140,095 NGN

2011 Average 145,871 NGN

Yearly Trough Low 128,353 NGN

Transaction Impact: A difference of 11,742.36 NGN purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2012.

27.7837

26.1568

JanuMarcMayJulySeptNove

HRK to NGN 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 27.3831, compared to 26.8912 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.4918 points.

H1 Avg (Jan–Jun) 27.3831

H2 Avg (Jul–Dec) 26.8912

Volatility Range Comparison

Volatility

The most volatile month in 2012 was July, with a trading range of 1.6900 NGN (High: 27.3606 / Low: 25.6705). On the other end, October was the most stable month, with a tight range of 0.4829 NGN (High: 27.3894 / Low: 26.9065).

July Spread (Volatile) ±1.6900

October Spread (Stable) ±0.4829

Growth Streaks & Declines

Trends

No sustained consecutive month-over-month growth streak of 2+ months occurred in 2012. Conversely, the sharpest month-over-month decline occurred between April and May, when the average rate fell by 0.7292 points.

Longest Streak 1 Mo.

Sharpest MoM Drop -0.7292

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (February 2012: 27.6481) against the same month in 2011 (average: 28.1399), the exchange rate shifted by -0.4918 (-1.75%).

2012 Avg (February) 27.6481

2011 Avg (February) 28.1399

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	28.0041	27.1079	27.5471
February	28.0190	27.1366	27.6481
March	27.9929	27.3336	27.6161
April	27.9861	27.3997	27.6337
May	27.8065	26.1594	26.9045
June	27.3470	26.2614	26.9489
July	27.3606	25.6705	26.4253
August	26.7437	25.8211	26.2924
September	27.9100	26.6024	27.3026
October	27.3894	26.9065	27.1649
November	27.1241	26.5453	26.7909
December	27.8368	26.9654	27.3713