2014 NAD to HRK Historical Review

YEARLY HIGH

0.5657 HRK

YEARLY LOW

0.4996 HRK

YEARLY AVERAGE

0.5304 HRK

2014 NAD to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2014

During 2014, the NAD to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on November 23, valuing the pair at 0.5657. Conversely, the yearly low was recorded on January 29, dropping to 0.4996.

This high-to-low spread represents a total annual volatility of 0.0661 HRK. From a start-to-finish perspective, comparing the January average rate of 0.5162 to the December average rate of 0.5418, the exchange rate registered a net change of 4.96% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2014 high of 0.5657 was down 16.36% compared to the 2013 peak of 0.6763, 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 2,828 HRK

2013 Average 2,969 HRK

Yearly Trough Low 2,498 HRK

Transaction Impact: A difference of 330.39 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2014.

0.5591

0.5061

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 0.5199, compared to 0.5408 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0210 points.

H1 Avg (Jan–Jun) 0.5199

H2 Avg (Jul–Dec) 0.5408

Volatility Range Comparison

Volatility

The most volatile month in 2014 was December, with a trading range of 0.0332 HRK (High: 0.5587 / Low: 0.5255). On the other end, June was the most stable month, with a tight range of 0.0093 HRK (High: 0.5270 / Low: 0.5177).

December Spread (Volatile) ±0.0332

June Spread (Stable) ±0.0093

Growth Streaks & Declines

Trends

Between June and November, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 5 straight months. Conversely, the sharpest month-over-month decline occurred between November and December, when the average rate fell by 0.0128 points.

Longest Streak 5 Mo.

Sharpest MoM Drop -0.0128

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (November 2014: 0.5547) against the same month in 2013 (average: 0.5546), the exchange rate shifted by +0.0001 (+0.02%).

2014 Avg (November) 0.5547

2013 Avg (November) 0.5546

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.5264	0.4996	0.5162
February	0.5206	0.5041	0.5105
March	0.5263	0.5089	0.5156
April	0.5295	0.5162	0.5234
May	0.5403	0.5190	0.5312
June	0.5270	0.5177	0.5222
July	0.5400	0.5173	0.5273
August	0.5447	0.5322	0.5374
September	0.5492	0.5330	0.5387
October	0.5577	0.5371	0.5451
November	0.5657	0.5464	0.5547
December	0.5587	0.5255	0.5418