2016 NAD to HRK Historical Review

YEARLY HIGH

0.5261 HRK

YEARLY LOW

0.4177 HRK

YEARLY AVERAGE

0.4644 HRK

2016 NAD to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2016

During 2016, the NAD to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on December 29, valuing the pair at 0.5261. Conversely, the yearly low was recorded on January 18, dropping to 0.4177.

This high-to-low spread represents a total annual volatility of 0.1084 HRK. From a start-to-finish perspective, comparing the January average rate of 0.4333 to the December average rate of 0.5157, the exchange rate registered a net change of 19.02% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2016 high of 0.5261 was down 12.79% compared to the 2015 peak of 0.6032, 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 2,630 HRK

2015 Average 2,701 HRK

Yearly Trough Low 2,088 HRK

Transaction Impact: A difference of 541.90 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2016.

0.5239

0.4251

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 0.4401, compared to 0.4887 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0486 points.

H1 Avg (Jan–Jun) 0.4401

H2 Avg (Jul–Dec) 0.4887

Volatility Range Comparison

Volatility

The most volatile month in 2016 was August, with a trading range of 0.0445 HRK (High: 0.5032 / Low: 0.4587). On the other end, March was the most stable month, with a tight range of 0.0209 HRK (High: 0.4504 / Low: 0.4295).

August Spread (Volatile) ±0.0445

March Spread (Stable) ±0.0209

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 April and May, when the average rate fell by 0.0187 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0187

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2016: 0.5157) against the same month in 2015 (average: 0.4662), the exchange rate shifted by +0.0495 (+10.62%).

2016 Avg (December) 0.5157

2015 Avg (December) 0.4662

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.4539	0.4177	0.4333
February	0.4534	0.4226	0.4355
March	0.4504	0.4295	0.4416
April	0.4658	0.4334	0.4526
May	0.4620	0.4245	0.4339
June	0.4587	0.4288	0.4437
July	0.4797	0.4567	0.4700
August	0.5032	0.4587	0.4854
September	0.4936	0.4577	0.4753
October	0.5043	0.4754	0.4879
November	0.5110	0.4822	0.4980
December	0.5261	0.5038	0.5157