2012 VEF to HRK Historical Review

YEARLY HIGH

1.4469 HRK

YEARLY LOW

1.3109 HRK

YEARLY AVERAGE

1.3632 HRK

2012 VEF to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2012

During 2012, the VEF to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on July 24, valuing the pair at 1.4469. Conversely, the yearly low was recorded on February 28, dropping to 1.3109.

This high-to-low spread represents a total annual volatility of 0.1360 HRK. From a start-to-finish perspective, comparing the January average rate of 1.3640 to the December average rate of 1.3376, the exchange rate registered a net change of -1.94% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2012 high of 1.4469 was up 6.41% compared to the 2011 peak of 1.3598, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 7,235 HRK

2011 Average 6,225 HRK

Yearly Trough Low 6,555 HRK

Transaction Impact: A difference of 680.07 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2012.

1.4317

1.3170

JanuMarcMayJulySeptNove

VEF 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 1.3548, compared to 1.3716 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0168 points.

H1 Avg (Jan–Jun) 1.3548

H2 Avg (Jul–Dec) 1.3716

Volatility Range Comparison

Volatility

The most volatile month in 2012 was May, with a trading range of 0.1026 HRK (High: 1.4222 / Low: 1.3196). On the other end, April was the most stable month, with a tight range of 0.0251 HRK (High: 1.3360 / Low: 1.3109).

May Spread (Volatile) ±0.1026

April Spread (Stable) ±0.0251

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 0.0617 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0617

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (July 2012: 1.4222) against the same month in 2011 (average: 1.2104), the exchange rate shifted by +0.2118 (+17.50%).

2012 Avg (July) 1.4222

2011 Avg (July) 1.2104

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	1.3889	1.3367	1.3640
February	1.3574	1.3109	1.3353
March	1.3445	1.3109	1.3294
April	1.3360	1.3109	1.3265
May	1.4222	1.3196	1.3710
June	1.4252	1.3832	1.4023
July	1.4469	1.3856	1.4222
August	1.4291	1.3820	1.4069
September	1.3841	1.3134	1.3452
October	1.3602	1.3343	1.3483
November	1.3825	1.3520	1.3692
December	1.3562	1.3242	1.3376