2019 HRK to NAD Historical Review

YEARLY HIGH

5.5411 NAD

YEARLY LOW

2.0560 NAD

YEARLY AVERAGE

2.1882 NAD

2019 HRK to NAD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2019

During 2019, the HRK to NAD exchange rate experienced significant fluctuation. The market reached its absolute peak on May 19, valuing the pair at 5.5411. Conversely, the yearly low was recorded on February 3, dropping to 2.0560.

This high-to-low spread represents a total annual volatility of 3.4851 NAD. From a start-to-finish perspective, comparing the January average rate of 2.1345 to the December average rate of 2.1518, the exchange rate registered a net change of 0.81% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2019 high of 5.5411 was up 133.73% compared to the 2018 peak of 2.3708, 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 27,706 NAD

2018 Average 10,509 NAD

Yearly Trough Low 10,280 NAD

Transaction Impact: A difference of 17,425.51 NAD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2019.

2.2997

2.0924

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 2.1798, compared to 2.1966 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0169 points.

H1 Avg (Jan–Jun) 2.1798

H2 Avg (Jul–Dec) 2.1966

Volatility Range Comparison

Volatility

The most volatile month in 2019 was May, with a trading range of 3.4034 NAD (High: 5.5411 / Low: 2.1377). On the other end, July was the most stable month, with a tight range of 0.0659 NAD (High: 2.1607 / Low: 2.0949).

May Spread (Volatile) ±3.4034

July Spread (Stable) ±0.0659

Growth Streaks & Declines

Trends

No sustained consecutive month-over-month growth streak of 2+ months occurred in 2019. Conversely, the sharpest month-over-month decline occurred between June and July, when the average rate fell by 0.0955 points.

Longest Streak 1 Mo.

Sharpest MoM Drop -0.0955

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (May 2019: 2.2824) against the same month in 2018 (average: 2.0017), the exchange rate shifted by +0.2808 (+14.03%).

2019 Avg (May) 2.2824

2018 Avg (May) 2.0017

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	2.2198	2.0567	2.1345
February	2.1555	2.0560	2.1097
March	2.2236	2.1259	2.1869
April	2.2133	2.1203	2.1417
May	5.5411	2.1377	2.2824
June	2.2961	2.1706	2.2234
July	2.1607	2.0949	2.1279
August	2.3437	2.1324	2.2756
September	2.2572	2.1811	2.2100
October	2.2532	2.1675	2.2163
November	2.2648	2.1651	2.1983
December	2.2125	2.1052	2.1518