2013 MAD to HRK Historical Review

YEARLY HIGH

0.6862 HRK

YEARLY LOW

0.6680 HRK

YEARLY AVERAGE

0.6788 HRK

2013 MAD to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2013

During 2013, the MAD to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on April 2, valuing the pair at 0.6862. Conversely, the yearly low was recorded on June 15, dropping to 0.6680.

This high-to-low spread represents a total annual volatility of 0.0182 HRK. From a start-to-finish perspective, comparing the January average rate of 0.6781 to the December average rate of 0.6793, the exchange rate registered a net change of 0.18% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2013 high of 0.6862 was down 0.87% compared to the 2012 peak of 0.6923, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 3,431 HRK

2012 Average 3,389 HRK

Yearly Trough Low 3,340 HRK

Transaction Impact: A difference of 90.93 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2013.

0.6852

0.6712

JanuMarcMayJulySeptNove

MAD to HRK 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 0.6796, compared to 0.6779 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0017 points.

H1 Avg (Jan–Jun) 0.6796

H2 Avg (Jul–Dec) 0.6779

Volatility Range Comparison

Volatility

The most volatile month in 2013 was June, with a trading range of 0.0126 HRK (High: 0.6806 / Low: 0.6680). On the other end, October was the most stable month, with a tight range of 0.0033 HRK (High: 0.6807 / Low: 0.6774).

June Spread (Volatile) ±0.0126

October Spread (Stable) ±0.0033

Growth Streaks & Declines

Trends

Between January and April, 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 May and June, when the average rate fell by 0.0088 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0088

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (April 2013: 0.6841) against the same month in 2012 (average: 0.6726), the exchange rate shifted by +0.0115 (+1.71%).

2013 Avg (April) 0.6841

2012 Avg (April) 0.6726

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.6810	0.6757	0.6781
February	0.6847	0.6759	0.6790
March	0.6857	0.6811	0.6832
April	0.6862	0.6814	0.6841
May	0.6830	0.6793	0.6812
June	0.6806	0.6680	0.6724
July	0.6783	0.6694	0.6743
August	0.6783	0.6715	0.6743
September	0.6815	0.6778	0.6796
October	0.6807	0.6774	0.6787
November	0.6839	0.6798	0.6812
December	0.6815	0.6772	0.6793