2012 HNL to NAD Historical Review

YEARLY HIGH

0.4515 NAD

YEARLY LOW

0.3942 NAD

YEARLY AVERAGE

0.4249 NAD

2012 HNL to NAD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2012

During 2012, the HNL to NAD exchange rate experienced significant fluctuation. The market reached its absolute peak on November 22, valuing the pair at 0.4515. Conversely, the yearly low was recorded on March 4, dropping to 0.3942.

This high-to-low spread represents a total annual volatility of 0.0572 NAD. From a start-to-finish perspective, comparing the January average rate of 0.4208 to the December average rate of 0.4350, the exchange rate registered a net change of 3.35% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2012 high of 0.4515 was up 0.22% compared to the 2011 peak of 0.4505, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 2,257 NAD

2011 Average 1,919 NAD

Yearly Trough Low 1,971 NAD

Transaction Impact: A difference of 286.22 NAD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2012.

0.4494

0.3940

JanuMarcMayJulySeptNove

HNL to NAD 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 0.4167, compared to 0.4332 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0165 points.

H1 Avg (Jan–Jun) 0.4167

H2 Avg (Jul–Dec) 0.4332

Volatility Range Comparison

Volatility

The most volatile month in 2012 was May, with a trading range of 0.0411 NAD (High: 0.4467 / Low: 0.4056). On the other end, March was the most stable month, with a tight range of 0.0109 NAD (High: 0.4051 / Low: 0.3942).

May Spread (Volatile) ±0.0411

March Spread (Stable) ±0.0109

Growth Streaks & Declines

Trends

Between March and June, 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 January and February, when the average rate fell by 0.0190 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0190

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (November 2012: 0.4448) against the same month in 2011 (average: 0.4307), the exchange rate shifted by +0.0141 (+3.28%).

2012 Avg (November) 0.4448

2011 Avg (November) 0.4307

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.4297	0.4073	0.4208
February	0.4085	0.3966	0.4019
March	0.4051	0.3942	0.3986
April	0.4195	0.3999	0.4105
May	0.4467	0.4056	0.4276
June	0.4509	0.4296	0.4405
July	0.4463	0.4233	0.4326
August	0.4358	0.4151	0.4250
September	0.4296	0.4171	0.4223
October	0.4490	0.4234	0.4394
November	0.4515	0.4371	0.4448
December	0.4471	0.4248	0.4350