2019 NAD to HRK Historical Review

YEARLY HIGH

0.4864 HRK

YEARLY LOW

0.1805 HRK

YEARLY AVERAGE

0.4584 HRK

2019 NAD to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2019

During 2019, the NAD to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on February 3, valuing the pair at 0.4864. Conversely, the yearly low was recorded on May 19, dropping to 0.1805.

This high-to-low spread represents a total annual volatility of 0.3059 HRK. From a start-to-finish perspective, comparing the January average rate of 0.4686 to the December average rate of 0.4648, the exchange rate registered a net change of -0.81% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2019 high of 0.4864 was down 7.11% compared to the 2018 peak of 0.5236, 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 2,432 HRK

2018 Average 2,386 HRK

Yearly Trough Low 902 HRK

Transaction Impact: A difference of 1,529.53 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2019.

0.4776

0.4362

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 0.4613, compared to 0.4555 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0058 points.

H1 Avg (Jan–Jun) 0.4613

H2 Avg (Jul–Dec) 0.4555

Volatility Range Comparison

Volatility

The most volatile month in 2019 was May, with a trading range of 0.2873 HRK (High: 0.4678 / Low: 0.1805). On the other end, July was the most stable month, with a tight range of 0.0145 HRK (High: 0.4774 / Low: 0.4628).

May Spread (Volatile) ±0.2873

July Spread (Stable) ±0.0145

Growth Streaks & Declines

Trends

Between October and December, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 2 straight months. Conversely, the sharpest month-over-month decline occurred between July and August, when the average rate fell by 0.0304 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0304

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (February 2019: 0.4741) against the same month in 2018 (average: 0.5093), the exchange rate shifted by -0.0352 (-6.91%).

2019 Avg (February) 0.4741

2018 Avg (February) 0.5093

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.4862	0.4505	0.4686
February	0.4864	0.4639	0.4741
March	0.4704	0.4497	0.4573
April	0.4716	0.4518	0.4670
May	0.4678	0.1805	0.4510
June	0.4607	0.4355	0.4499
July	0.4774	0.4628	0.4700
August	0.4690	0.4267	0.4396
September	0.4585	0.4430	0.4525
October	0.4614	0.4438	0.4513
November	0.4619	0.4415	0.4549
December	0.4750	0.4520	0.4648