2012 SBD to HRK Historical Review

YEARLY HIGH

0.8789 HRK

YEARLY LOW

0.7653 HRK

YEARLY AVERAGE

0.8209 HRK

2012 SBD to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2012

During 2012, the SBD to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on July 24, valuing the pair at 0.8789. Conversely, the yearly low was recorded on January 1, dropping to 0.7653.

This high-to-low spread represents a total annual volatility of 0.1135 HRK. From a start-to-finish perspective, comparing the January average rate of 0.7984 to the December average rate of 0.8092, the exchange rate registered a net change of 1.35% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2012 high of 0.8789 was up 14.71% compared to the 2011 peak of 0.7662, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 4,394 HRK

2011 Average 3,514 HRK

Yearly Trough Low 3,827 HRK

Transaction Impact: A difference of 567.55 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2012.

0.8650

0.7924

JanuMarcMayJulySeptNove

SBD 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 0.8135, compared to 0.8283 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0147 points.

H1 Avg (Jan–Jun) 0.8135

H2 Avg (Jul–Dec) 0.8283

Volatility Range Comparison

Volatility

The most volatile month in 2012 was January, with a trading range of 0.0563 HRK (High: 0.8216 / Low: 0.7653). On the other end, April was the most stable month, with a tight range of 0.0111 HRK (High: 0.8037 / Low: 0.7926).

January Spread (Volatile) ±0.0563

April Spread (Stable) ±0.0111

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 0.0399 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0399

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (July 2012: 0.8513) against the same month in 2011 (average: 0.7034), the exchange rate shifted by +0.1479 (+21.02%).

2012 Avg (July) 0.8513

2011 Avg (July) 0.7034

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.8216	0.7653	0.7984
February	0.8199	0.8040	0.8132
March	0.8064	0.7924	0.7993
April	0.8037	0.7926	0.7989
May	0.8326	0.7968	0.8125
June	0.8673	0.8483	0.8589
July	0.8789	0.8313	0.8513
August	0.8680	0.8393	0.8546
September	0.8408	0.7924	0.8147
October	0.8246	0.8011	0.8124
November	0.8385	0.8086	0.8274
December	0.8210	0.8007	0.8092