2012 MAD to HRK Historical Review

YEARLY HIGH

0.6923 HRK

YEARLY LOW

0.6639 HRK

YEARLY AVERAGE

0.6777 HRK

2012 MAD to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2012

During 2012, the MAD to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on July 29, valuing the pair at 0.6923. Conversely, the yearly low was recorded on September 17, dropping to 0.6639.

This high-to-low spread represents a total annual volatility of 0.0284 HRK. From a start-to-finish perspective, comparing the January average rate of 0.6800 to the December average rate of 0.6761, the exchange rate registered a net change of -0.58% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2012 high of 0.6923 was up 1.81% compared to the 2011 peak of 0.6800, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 3,461 HRK

2011 Average 3,303 HRK

Yearly Trough Low 3,319 HRK

Transaction Impact: A difference of 142.10 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2012.

0.6847

0.6677

JanuMarcMayJulySeptNove

MAD 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 0.6785, compared to 0.6769 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0017 points.

H1 Avg (Jan–Jun) 0.6785

H2 Avg (Jul–Dec) 0.6769

Volatility Range Comparison

Volatility

The most volatile month in 2012 was May, with a trading range of 0.0160 HRK (High: 0.6874 / Low: 0.6715). On the other end, December was the most stable month, with a tight range of 0.0042 HRK (High: 0.6783 / Low: 0.6742).

May Spread (Volatile) ±0.0160

December Spread (Stable) ±0.0042

Growth Streaks & Declines

Trends

Between April and June, 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 August and September, when the average rate fell by 0.0100 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0100

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (July 2012: 0.6820) against the same month in 2011 (average: 0.6567), the exchange rate shifted by +0.0253 (+3.85%).

2012 Avg (July) 0.6820

2011 Avg (July) 0.6567

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.6824	0.6766	0.6800
February	0.6827	0.6748	0.6798
March	0.6788	0.6717	0.6757
April	0.6764	0.6697	0.6726
May	0.6874	0.6715	0.6799
June	0.6872	0.6806	0.6833
July	0.6923	0.6775	0.6820
August	0.6843	0.6760	0.6792
September	0.6759	0.6639	0.6691
October	0.6808	0.6688	0.6754
November	0.6814	0.6770	0.6795
December	0.6783	0.6742	0.6761