2016 HNL to NAD Historical Review

YEARLY HIGH

0.7503 NAD

YEARLY LOW

0.5835 NAD

YEARLY AVERAGE

0.6463 NAD

2016 HNL to NAD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2016

During 2016, the HNL to NAD exchange rate experienced significant fluctuation. The market reached its absolute peak on January 18, valuing the pair at 0.7503. Conversely, the yearly low was recorded on December 7, dropping to 0.5835.

This high-to-low spread represents a total annual volatility of 0.1668 NAD. From a start-to-finish perspective, comparing the January average rate of 0.7255 to the December average rate of 0.5946, the exchange rate registered a net change of -18.04% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2016 high of 0.7503 was up 3.46% compared to the 2015 peak of 0.7252, 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 3,751 NAD

2015 Average 2,942 NAD

Yearly Trough Low 2,917 NAD

Transaction Impact: A difference of 833.98 NAD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2016.

0.7386

0.5815

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 0.6824, compared to 0.6102 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0722 points.

H1 Avg (Jan–Jun) 0.6824

H2 Avg (Jul–Dec) 0.6102

Volatility Range Comparison

Volatility

The most volatile month in 2016 was May, with a trading range of 0.0683 NAD (High: 0.6974 / Low: 0.6291). On the other end, December was the most stable month, with a tight range of 0.0228 NAD (High: 0.6063 / Low: 0.5835).

May Spread (Volatile) ±0.0683

December Spread (Stable) ±0.0228

Growth Streaks & Declines

Trends

No sustained consecutive month-over-month growth streak of 2+ months occurred in 2016. Conversely, the sharpest month-over-month decline occurred between June and July, when the average rate fell by 0.0323 points.

Longest Streak 1 Mo.

Sharpest MoM Drop -0.0323

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2016: 0.7255) against the same month in 2015 (average: 0.5492), the exchange rate shifted by +0.1763 (+32.11%).

2016 Avg (January) 0.7255

2015 Avg (January) 0.5492

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.7503	0.6939	0.7255
February	0.7164	0.6750	0.6998
March	0.7003	0.6556	0.6797
April	0.6748	0.6307	0.6474
May	0.6974	0.6291	0.6775
June	0.6914	0.6335	0.6643
July	0.6494	0.6133	0.6320
August	0.6381	0.5847	0.6021
September	0.6390	0.5943	0.6159
October	0.6244	0.5956	0.6096
November	0.6269	0.5841	0.6072
December	0.6063	0.5835	0.5946