2013 JMD to HRK Historical Review

YEARLY HIGH

0.0627 HRK

YEARLY LOW

0.0522 HRK

YEARLY AVERAGE

0.0573 HRK

2013 JMD to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2013

During 2013, the JMD to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on January 6, valuing the pair at 0.0627. Conversely, the yearly low was recorded on December 29, dropping to 0.0522.

This high-to-low spread represents a total annual volatility of 0.0105 HRK. From a start-to-finish perspective, comparing the January average rate of 0.0615 to the December average rate of 0.0533, the exchange rate registered a net change of -13.27% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2013 high of 0.0627 was down 10.20% compared to the 2012 peak of 0.0699, 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 314 HRK

2012 Average 331 HRK

Yearly Trough Low 261 HRK

Transaction Impact: A difference of 52.58 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2013.

0.0623

0.0525

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 0.0596, compared to 0.0550 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0046 points.

H1 Avg (Jan–Jun) 0.0596

H2 Avg (Jul–Dec) 0.0550

Volatility Range Comparison

Volatility

The most volatile month in 2013 was June, with a trading range of 0.0034 HRK (High: 0.0590 / Low: 0.0556). On the other end, August was the most stable month, with a tight range of 0.0009 HRK (High: 0.0564 / Low: 0.0555).

June Spread (Volatile) ±0.0034

August Spread (Stable) ±0.0009

Growth Streaks & Declines

Trends

No sustained consecutive month-over-month growth streak of 2+ months occurred in 2013. Conversely, the sharpest month-over-month decline occurred between May and June, when the average rate fell by 0.0022 points.

Longest Streak 1 Mo.

Sharpest MoM Drop -0.0022

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2013: 0.0615) against the same month in 2012 (average: 0.0680), the exchange rate shifted by -0.0065 (-9.53%).

2013 Avg (January) 0.0615

2012 Avg (January) 0.0680

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0627	0.0604	0.0615
February	0.0623	0.0597	0.0606
March	0.0613	0.0599	0.0605
April	0.0606	0.0585	0.0591
May	0.0599	0.0582	0.0592
June	0.0590	0.0556	0.0569
July	0.0579	0.0558	0.0567
August	0.0564	0.0555	0.0558
September	0.0568	0.0548	0.0558
October	0.0547	0.0529	0.0538
November	0.0552	0.0538	0.0545
December	0.0546	0.0522	0.0533