2012 HRK to SBD Historical Review

YEARLY HIGH

1.3066 SBD

YEARLY LOW

1.1378 SBD

YEARLY AVERAGE

1.2191 SBD

2012 HRK to SBD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2012

During 2012, the HRK to SBD exchange rate experienced significant fluctuation. The market reached its absolute peak on January 1, valuing the pair at 1.3066. Conversely, the yearly low was recorded on July 24, dropping to 1.1378.

This high-to-low spread represents a total annual volatility of 0.1688 SBD. From a start-to-finish perspective, comparing the January average rate of 1.2530 to the December average rate of 1.2359, the exchange rate registered a net change of -1.36% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2012 high of 1.3066 was down 14.80% compared to the 2011 peak of 1.5336, 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 6,533 SBD

2011 Average 7,123 SBD

Yearly Trough Low 5,689 SBD

Transaction Impact: A difference of 843.78 SBD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2012.

1.2619

1.1554

JanuMarcMayJulySeptNove

HRK to SBD 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 1.2301, compared to 1.2082 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0220 points.

H1 Avg (Jan–Jun) 1.2301

H2 Avg (Jul–Dec) 1.2082

Volatility Range Comparison

Volatility

The most volatile month in 2012 was January, with a trading range of 0.0895 SBD (High: 1.3066 / Low: 1.2171). On the other end, April was the most stable month, with a tight range of 0.0175 SBD (High: 1.2617 / Low: 1.2442).

January Spread (Volatile) ±0.0895

April Spread (Stable) ±0.0175

Growth Streaks & Declines

Trends

Between February and April, 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 May and June, when the average rate fell by 0.0667 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0667

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2012: 1.2530) against the same month in 2011 (average: 1.4089), the exchange rate shifted by -0.1559 (-11.06%).

2012 Avg (January) 1.2530

2011 Avg (January) 1.4089

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	1.3066	1.2171	1.2530
February	1.2438	1.2197	1.2297
March	1.2620	1.2400	1.2511
April	1.2617	1.2442	1.2517
May	1.2550	1.2011	1.2310
June	1.1789	1.1530	1.1643
July	1.2029	1.1378	1.1753
August	1.1914	1.1520	1.1702
September	1.2620	1.1894	1.2278
October	1.2482	1.2127	1.2310
November	1.2367	1.1926	1.2087
December	1.2490	1.2181	1.2359