2012 HRK to TOP Historical Review

YEARLY HIGH

0.3074 TOP

YEARLY LOW

0.2840 TOP

YEARLY AVERAGE

0.2970 TOP

2012 HRK to TOP Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2012

During 2012, the HRK to TOP exchange rate experienced significant fluctuation. The market reached its absolute peak on September 18, valuing the pair at 0.3074. Conversely, the yearly low was recorded on July 24, dropping to 0.2840.

This high-to-low spread represents a total annual volatility of 0.0233 TOP. From a start-to-finish perspective, comparing the January average rate of 0.2973 to the December average rate of 0.3030, the exchange rate registered a net change of 1.92% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2012 high of 0.3074 was down 16.48% compared to the 2011 peak of 0.3680, 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 1,537 TOP

2011 Average 1,643 TOP

Yearly Trough Low 1,420 TOP

Transaction Impact: A difference of 116.71 TOP purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2012.

0.3043

0.2887

JanuMarcMayJulySeptNove

HRK to TOP 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 0.2970, compared to 0.2971 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0001 points.

H1 Avg (Jan–Jun) 0.2970

H2 Avg (Jul–Dec) 0.2971

Volatility Range Comparison

Volatility

The most volatile month in 2012 was July, with a trading range of 0.0174 TOP (High: 0.3015 / Low: 0.2840). On the other end, April was the most stable month, with a tight range of 0.0053 TOP (High: 0.3017 / Low: 0.2964).

July Spread (Volatile) ±0.0174

April Spread (Stable) ±0.0053

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 June and July, when the average rate fell by 0.0058 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0058

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (September 2012: 0.3018) against the same month in 2011 (average: 0.3091), the exchange rate shifted by -0.0073 (-2.36%).

2012 Avg (September) 0.3018

2011 Avg (September) 0.3091

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.3030	0.2938	0.2973
February	0.3018	0.2899	0.2952
March	0.2999	0.2911	0.2955
April	0.3017	0.2964	0.2987
May	0.3030	0.2891	0.2981
June	0.3015	0.2936	0.2971
July	0.3015	0.2840	0.2913
August	0.2953	0.2843	0.2900
September	0.3074	0.2950	0.3018
October	0.3055	0.2977	0.3009
November	0.3050	0.2889	0.2956
December	0.3050	0.2993	0.3030