2012 JMD to HRK Historical Review

YEARLY HIGH

0.0699 HRK

YEARLY LOW

0.0614 HRK

YEARLY AVERAGE

0.0663 HRK

2012 JMD to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2012

During 2012, the JMD to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on July 24, valuing the pair at 0.0699. Conversely, the yearly low was recorded on December 19, dropping to 0.0614.

This high-to-low spread represents a total annual volatility of 0.0084 HRK. From a start-to-finish perspective, comparing the January average rate of 0.0680 to the December average rate of 0.0625, the exchange rate registered a net change of -8.13% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2012 high of 0.0699 was up 3.10% compared to the 2011 peak of 0.0678, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

Comparing the value generated converting 5,000 JMD based on timing:

Yearly Peak High 349 HRK

2011 Average 311 HRK

Yearly Trough Low 307 HRK

Transaction Impact: A difference of 42.19 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2012.

0.0696

0.0618

JanuMarcMayJulySeptNove

JMD to HRK 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 0.0670, compared to 0.0655 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0015 points.

H1 Avg (Jan–Jun) 0.0670

H2 Avg (Jul–Dec) 0.0655

Volatility Range Comparison

Volatility

The most volatile month in 2012 was May, with a trading range of 0.0046 HRK (High: 0.0699 / Low: 0.0653). On the other end, October was the most stable month, with a tight range of 0.0010 HRK (High: 0.0649 / Low: 0.0639).

May Spread (Volatile) ±0.0046

October Spread (Stable) ±0.0010

Growth Streaks & Declines

Trends

Between April and July, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 3 straight months. Conversely, the sharpest month-over-month decline occurred between August and September, when the average rate fell by 0.0031 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0031

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (July 2012: 0.0690) against the same month in 2011 (average: 0.0610), the exchange rate shifted by +0.0080 (+13.14%).

2012 Avg (July) 0.0690

2011 Avg (July) 0.0610

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0692	0.0666	0.0680
February	0.0676	0.0650	0.0664
March	0.0668	0.0649	0.0659
April	0.0662	0.0649	0.0657
May	0.0699	0.0653	0.0676
June	0.0696	0.0677	0.0686
July	0.0699	0.0676	0.0690
August	0.0688	0.0665	0.0678
September	0.0666	0.0632	0.0647
October	0.0649	0.0639	0.0643
November	0.0654	0.0637	0.0648
December	0.0637	0.0614	0.0625