2012 HRK to PEN Historical Review

YEARLY HIGH

0.4763 PEN

YEARLY LOW

0.4244 PEN

YEARLY AVERAGE

0.4511 PEN

2012 HRK to PEN Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2012

During 2012, the HRK to PEN exchange rate experienced significant fluctuation. The market reached its absolute peak on February 25, valuing the pair at 0.4763. Conversely, the yearly low was recorded on July 29, dropping to 0.4244.

This high-to-low spread represents a total annual volatility of 0.0519 PEN. From a start-to-finish perspective, comparing the January average rate of 0.4599 to the December average rate of 0.4470, the exchange rate registered a net change of -2.80% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2012 high of 0.4763 was down 16.76% compared to the 2011 peak of 0.5722, 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 2,381 PEN

2011 Average 2,579 PEN

Yearly Trough Low 2,122 PEN

Transaction Impact: A difference of 259.38 PEN purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2012.

0.4718

0.4282

JanuMarcMayJulySeptNove

HRK to PEN 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 0.4600, compared to 0.4421 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0179 points.

H1 Avg (Jan–Jun) 0.4600

H2 Avg (Jul–Dec) 0.4421

Volatility Range Comparison

Volatility

The most volatile month in 2012 was May, with a trading range of 0.0227 PEN (High: 0.4662 / Low: 0.4435). On the other end, June was the most stable month, with a tight range of 0.0070 PEN (High: 0.4476 / Low: 0.4407).

May Spread (Volatile) ±0.0227

June Spread (Stable) ±0.0070

Growth Streaks & Declines

Trends

Between July and September, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 2 straight months. Conversely, the sharpest month-over-month decline occurred between April and May, when the average rate fell by 0.0134 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0134

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (February 2012: 0.4681) against the same month in 2011 (average: 0.5103), the exchange rate shifted by -0.0422 (-8.26%).

2012 Avg (February) 0.4681

2011 Avg (February) 0.5103

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.4687	0.4515	0.4599
February	0.4763	0.4608	0.4681
March	0.4745	0.4624	0.4681
April	0.4744	0.4626	0.4665
May	0.4662	0.4435	0.4532
June	0.4476	0.4407	0.4441
July	0.4469	0.4244	0.4318
August	0.4403	0.4287	0.4334
September	0.4602	0.4391	0.4509
October	0.4528	0.4421	0.4475
November	0.4473	0.4381	0.4421
December	0.4518	0.4420	0.4470