2012 PEN to HRK Historical Review

YEARLY HIGH

2.3561 HRK

YEARLY LOW

2.0995 HRK

YEARLY AVERAGE

2.2188 HRK

2012 PEN to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2012

During 2012, the PEN to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on July 29, valuing the pair at 2.3561. Conversely, the yearly low was recorded on February 26, dropping to 2.0995.

This high-to-low spread represents a total annual volatility of 0.2566 HRK. From a start-to-finish perspective, comparing the January average rate of 2.1746 to the December average rate of 2.2371, the exchange rate registered a net change of 2.88% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2012 high of 2.3561 was up 8.87% compared to the 2011 peak of 2.1642, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 11,781 HRK

2011 Average 9,713 HRK

Yearly Trough Low 10,498 HRK

Transaction Impact: A difference of 1,283.12 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2012.

2.3342

2.1183

JanuMarcMayJulySeptNove

PEN 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 2.1750, compared to 2.2627 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0877 points.

H1 Avg (Jan–Jun) 2.1750

H2 Avg (Jul–Dec) 2.2627

Volatility Range Comparison

Volatility

The most volatile month in 2012 was July, with a trading range of 0.1185 HRK (High: 2.3561 / Low: 2.2376). On the other end, June was the most stable month, with a tight range of 0.0353 HRK (High: 2.2693 / Low: 2.2340).

July Spread (Volatile) ±0.1185

June Spread (Stable) ±0.0353

Growth Streaks & Declines

Trends

Between February and July, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 5 straight months. Conversely, the sharpest month-over-month decline occurred between August and September, when the average rate fell by 0.0891 points.

Longest Streak 5 Mo.

Sharpest MoM Drop -0.0891

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (July 2012: 2.3162) against the same month in 2011 (average: 1.8966), the exchange rate shifted by +0.4195 (+22.12%).

2012 Avg (July) 2.3162

2011 Avg (July) 1.8966

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	2.2150	2.1335	2.1746
February	2.1699	2.0995	2.1363
March	2.1628	2.1075	2.1364
April	2.1615	2.1080	2.1436
May	2.2550	2.1452	2.2072
June	2.2693	2.2340	2.2518
July	2.3561	2.2376	2.3162
August	2.3327	2.2711	2.3076
September	2.2772	2.1728	2.2185
October	2.2617	2.2087	2.2349
November	2.2826	2.2357	2.2619
December	2.2625	2.2133	2.2371