2014 HRK to NAD Historical Review

YEARLY HIGH

2.0017 NAD

YEARLY LOW

1.7679 NAD

YEARLY AVERAGE

1.8869 NAD

2014 HRK to NAD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2014

During 2014, the HRK to NAD exchange rate experienced significant fluctuation. The market reached its absolute peak on January 29, valuing the pair at 2.0017. Conversely, the yearly low was recorded on November 23, dropping to 1.7679.

This high-to-low spread represents a total annual volatility of 0.2338 NAD. From a start-to-finish perspective, comparing the January average rate of 1.9377 to the December average rate of 1.8461, the exchange rate registered a net change of -4.73% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2014 high of 2.0017 was up 5.69% compared to the 2013 peak of 1.8939, 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 10,008 NAD

2013 Average 8,458 NAD

Yearly Trough Low 8,839 NAD

Transaction Impact: A difference of 1,169.15 NAD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2014.

1.9744

1.7875

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 1.9241, compared to 1.8497 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0744 points.

H1 Avg (Jan–Jun) 1.9241

H2 Avg (Jul–Dec) 1.8497

Volatility Range Comparison

Volatility

The most volatile month in 2014 was December, with a trading range of 0.1132 NAD (High: 1.9031 / Low: 1.7899). On the other end, June was the most stable month, with a tight range of 0.0340 NAD (High: 1.9315 / Low: 1.8975).

December Spread (Volatile) ±0.1132

June Spread (Stable) ±0.0340

Growth Streaks & Declines

Trends

No sustained consecutive month-over-month growth streak of 2+ months occurred in 2014. Conversely, the sharpest month-over-month decline occurred between July and August, when the average rate fell by 0.0357 points.

Longest Streak 1 Mo.

Sharpest MoM Drop -0.0357

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2014: 1.9377) against the same month in 2013 (average: 1.5400), the exchange rate shifted by +0.3978 (+25.83%).

2014 Avg (January) 1.9377

2013 Avg (January) 1.5400

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	2.0017	1.8996	1.9377
February	1.9839	1.9210	1.9589
March	1.9649	1.9002	1.9395
April	1.9371	1.8885	1.9107
May	1.9269	1.8509	1.8827
June	1.9315	1.8975	1.9148
July	1.9332	1.8519	1.8967
August	1.8789	1.8357	1.8610
September	1.8761	1.8209	1.8564
October	1.8620	1.7930	1.8349
November	1.8301	1.7679	1.8031
December	1.9031	1.7899	1.8461