2012 NAD to HNL Historical Review

YEARLY HIGH

2.5366 HNL

YEARLY LOW

2.2149 HNL

YEARLY AVERAGE

2.3566 HNL

2012 NAD to HNL Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2012

During 2012, the NAD to HNL exchange rate experienced significant fluctuation. The market reached its absolute peak on March 2, valuing the pair at 2.5366. Conversely, the yearly low was recorded on November 22, dropping to 2.2149.

This high-to-low spread represents a total annual volatility of 0.3216 HNL. From a start-to-finish perspective, comparing the January average rate of 2.3769 to the December average rate of 2.2996, the exchange rate registered a net change of -3.25% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2012 high of 2.5366 was down 11.89% compared to the 2011 peak of 2.8788, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 12,683 HNL

2011 Average 13,100 HNL

Yearly Trough Low 11,075 HNL

Transaction Impact: A difference of 1,608.09 HNL purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2012.

2.5351

2.2223

JanuMarcMayJulySeptNove

NAD to HNL 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 2.4036, compared to 2.3097 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0938 points.

H1 Avg (Jan–Jun) 2.4036

H2 Avg (Jul–Dec) 2.3097

Volatility Range Comparison

Volatility

The most volatile month in 2012 was May, with a trading range of 0.2267 HNL (High: 2.4652 / Low: 2.2385). On the other end, March was the most stable month, with a tight range of 0.0683 HNL (High: 2.5366 / Low: 2.4682).

May Spread (Volatile) ±0.2267

March Spread (Stable) ±0.0683

Growth Streaks & Declines

Trends

Between June and September, 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 April and May, when the average rate fell by 0.0958 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0958

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (March 2012: 2.5091) against the same month in 2011 (average: 2.7340), the exchange rate shifted by -0.2250 (-8.23%).

2012 Avg (March) 2.5091

2011 Avg (March) 2.7340

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	2.4551	2.3270	2.3769
February	2.5216	2.4481	2.4884
March	2.5366	2.4682	2.5091
April	2.5008	2.3838	2.4363
May	2.4652	2.2385	2.3405
June	2.3276	2.2177	2.2703
July	2.3625	2.2407	2.3121
August	2.4090	2.2947	2.3535
September	2.3976	2.3278	2.3683
October	2.3616	2.2272	2.2764
November	2.2876	2.2149	2.2484
December	2.3539	2.2367	2.2996