2013 NAD to HRK Historical Review

YEARLY HIGH

0.6763 HRK

YEARLY LOW

0.5280 HRK

YEARLY AVERAGE

0.5941 HRK

2013 NAD to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2013

During 2013, the NAD to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on January 1, valuing the pair at 0.6763. Conversely, the yearly low was recorded on December 29, dropping to 0.5280.

This high-to-low spread represents a total annual volatility of 0.1483 HRK. From a start-to-finish perspective, comparing the January average rate of 0.6499 to the December average rate of 0.5376, the exchange rate registered a net change of -17.29% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2013 high of 0.6763 was down 11.75% compared to the 2012 peak of 0.7663, 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 3,381 HRK

2012 Average 3,571 HRK

Yearly Trough Low 2,640 HRK

Transaction Impact: A difference of 741.27 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2013.

0.6612

0.5263

JanuMarcMayJulySeptNove

NAD 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 0.6270, compared to 0.5612 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0658 points.

H1 Avg (Jan–Jun) 0.6270

H2 Avg (Jul–Dec) 0.5612

Volatility Range Comparison

Volatility

The most volatile month in 2013 was May, with a trading range of 0.0636 HRK (High: 0.6452 / Low: 0.5816). On the other end, July was the most stable month, with a tight range of 0.0112 HRK (High: 0.5837 / Low: 0.5724).

May Spread (Volatile) ±0.0636

July Spread (Stable) ±0.0112

Growth Streaks & Declines

Trends

No sustained consecutive month-over-month growth streak of 2+ months occurred in 2013. Conversely, the sharpest month-over-month decline occurred between May and June, when the average rate fell by 0.0588 points.

Longest Streak 1 Mo.

Sharpest MoM Drop -0.0588

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2013: 0.6499) against the same month in 2012 (average: 0.7310), the exchange rate shifted by -0.0810 (-11.08%).

2013 Avg (January) 0.6499

2012 Avg (January) 0.7310

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.6763	0.6208	0.6499
February	0.6559	0.6213	0.6386
March	0.6453	0.6288	0.6375
April	0.6552	0.6304	0.6415
May	0.6452	0.5816	0.6266
June	0.5883	0.5518	0.5677
July	0.5837	0.5724	0.5782
August	0.5752	0.5450	0.5626
September	0.5833	0.5564	0.5699
October	0.5695	0.5576	0.5641
November	0.5609	0.5471	0.5546
December	0.5508	0.5280	0.5376