2012 HRK to SGD Historical Review

YEARLY HIGH

0.2233 SGD

YEARLY LOW

0.2015 SGD

YEARLY AVERAGE

0.2136 SGD

2012 HRK to SGD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2012

During 2012, the HRK to SGD exchange rate experienced significant fluctuation. The market reached its absolute peak on March 28, valuing the pair at 0.2233. Conversely, the yearly low was recorded on July 29, dropping to 0.2015.

This high-to-low spread represents a total annual volatility of 0.0218 SGD. From a start-to-finish perspective, comparing the January average rate of 0.2185 to the December average rate of 0.2126, the exchange rate registered a net change of -2.69% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2012 high of 0.2233 was down 9.81% compared to the 2011 peak of 0.2476, 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 1,117 SGD

2011 Average 1,176 SGD

Yearly Trough Low 1,008 SGD

Transaction Impact: A difference of 108.99 SGD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2012.

0.2218

0.2051

JanuMarcMayJulySeptNove

HRK to SGD 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 0.2173, compared to 0.2098 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0075 points.

H1 Avg (Jan–Jun) 0.2173

H2 Avg (Jul–Dec) 0.2098

Volatility Range Comparison

Volatility

The most volatile month in 2012 was July, with a trading range of 0.0114 SGD (High: 0.2129 / Low: 0.2015). On the other end, June was the most stable month, with a tight range of 0.0026 SGD (High: 0.2137 / Low: 0.2112).

July Spread (Volatile) ±0.0114

June Spread (Stable) ±0.0026

Growth Streaks & Declines

Trends

Between January and March, 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 June and July, when the average rate fell by 0.0059 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0059

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (March 2012: 0.2204) against the same month in 2011 (average: 0.2403), the exchange rate shifted by -0.0198 (-8.26%).

2012 Avg (March) 0.2204

2011 Avg (March) 0.2403

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.2228	0.2163	0.2185
February	0.2229	0.2149	0.2187
March	0.2233	0.2179	0.2204
April	0.2232	0.2177	0.2196
May	0.2182	0.2109	0.2144
June	0.2137	0.2112	0.2124
July	0.2129	0.2015	0.2065
August	0.2104	0.2033	0.2067
September	0.2167	0.2098	0.2133
October	0.2146	0.2092	0.2115
November	0.2104	0.2062	0.2082
December	0.2147	0.2099	0.2126