2013 HRK to NAD Historical Review

YEARLY HIGH

1.8939 NAD

YEARLY LOW

1.4787 NAD

YEARLY AVERAGE

1.6910 NAD

2013 HRK to NAD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2013

During 2013, the HRK to NAD exchange rate experienced significant fluctuation. The market reached its absolute peak on December 29, valuing the pair at 1.8939. Conversely, the yearly low was recorded on January 1, dropping to 1.4787.

This high-to-low spread represents a total annual volatility of 0.4152 NAD. From a start-to-finish perspective, comparing the January average rate of 1.5400 to the December average rate of 1.8604, the exchange rate registered a net change of 20.81% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2013 high of 1.8939 was up 23.40% compared to the 2012 peak of 1.5348, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 9,469 NAD

2012 Average 7,015 NAD

Yearly Trough Low 7,393 NAD

Transaction Impact: A difference of 2,075.87 NAD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2013.

1.8924

1.5079

JanuMarcMayJulySeptNove

HRK 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 1.5988, compared to 1.7831 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.1843 points.

H1 Avg (Jan–Jun) 1.5988

H2 Avg (Jul–Dec) 1.7831

Volatility Range Comparison

Volatility

The most volatile month in 2013 was May, with a trading range of 0.1696 NAD (High: 1.7195 / Low: 1.5500). On the other end, July was the most stable month, with a tight range of 0.0337 NAD (High: 1.7469 / Low: 1.7132).

May Spread (Volatile) ±0.1696

July Spread (Stable) ±0.0337

Growth Streaks & Declines

Trends

Between September and December, 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 June and July, when the average rate fell by 0.0322 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0322

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2013: 1.8604) against the same month in 2012 (average: 1.5029), the exchange rate shifted by +0.3575 (+23.79%).

2013 Avg (December) 1.8604

2012 Avg (December) 1.5029

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	1.6109	1.4787	1.5400
February	1.6095	1.5245	1.5661
March	1.5902	1.5496	1.5688
April	1.5863	1.5263	1.5589
May	1.7195	1.5500	1.5972
June	1.8123	1.6999	1.7618
July	1.7469	1.7132	1.7296
August	1.8350	1.7384	1.7780
September	1.7972	1.7143	1.7550
October	1.7934	1.7560	1.7727
November	1.8277	1.7830	1.8032
December	1.8939	1.8156	1.8604