2015 HNL to NAD Historical Review

YEARLY HIGH

0.7252 NAD

YEARLY LOW

0.5365 NAD

YEARLY AVERAGE

0.5882 NAD

2015 HNL to NAD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2015

During 2015, the HNL to NAD exchange rate experienced significant fluctuation. The market reached its absolute peak on December 11, valuing the pair at 0.7252. Conversely, the yearly low was recorded on February 5, dropping to 0.5365.

This high-to-low spread represents a total annual volatility of 0.1886 NAD. From a start-to-finish perspective, comparing the January average rate of 0.5492 to the December average rate of 0.6878, the exchange rate registered a net change of 25.24% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2015 high of 0.7252 was up 28.23% compared to the 2014 peak of 0.5655, 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 3,626 NAD

2014 Average 2,659 NAD

Yearly Trough Low 2,683 NAD

Transaction Impact: A difference of 943.09 NAD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2015.

0.7020

0.5313

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 0.5547, compared to 0.6217 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0670 points.

H1 Avg (Jan–Jun) 0.5547

H2 Avg (Jul–Dec) 0.6217

Volatility Range Comparison

Volatility

The most volatile month in 2015 was December, with a trading range of 0.0755 NAD (High: 0.7252 / Low: 0.6497). On the other end, July was the most stable month, with a tight range of 0.0184 NAD (High: 0.5792 / Low: 0.5608).

December Spread (Volatile) ±0.0755

July Spread (Stable) ±0.0184

Growth Streaks & Declines

Trends

Between May and September, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 4 straight months. Conversely, the sharpest month-over-month decline occurred between April and May, when the average rate fell by 0.0114 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.0114

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2015: 0.6878) against the same month in 2014 (average: 0.5452), the exchange rate shifted by +0.1425 (+26.14%).

2015 Avg (December) 0.6878

2014 Avg (December) 0.5452

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.5576	0.5382	0.5492
February	0.5571	0.5365	0.5483
March	0.5800	0.5501	0.5646
April	0.5675	0.5386	0.5569
May	0.5554	0.5366	0.5455
June	0.5751	0.5558	0.5637
July	0.5792	0.5608	0.5702
August	0.6078	0.5763	0.5886
September	0.6415	0.6079	0.6244
October	0.6363	0.5945	0.6148
November	0.6592	0.6257	0.6443
December	0.7252	0.6497	0.6878