YEARLY HIGH
3.4407 NAD
YEARLY LOW
2.8088 NAD
YEARLY AVERAGE
3.1140 NAD

2012 PEN to NAD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2012

During 2012, the PEN to NAD exchange rate experienced significant fluctuation. The market reached its absolute peak on November 22, valuing the pair at 3.4407. Conversely, the yearly low was recorded on March 4, dropping to 2.8088.

This high-to-low spread represents a total annual volatility of 0.6319 NAD. From a start-to-finish perspective, comparing the January average rate of 2.9753 to the December average rate of 3.3620, the exchange rate registered a net change of 13.00% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2012 high of 3.4407 was up 9.33% compared to the 2011 peak of 3.1469, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 17,203 NAD
2011 Average 13,184 NAD
Yearly Trough Low 14,044 NAD
Transaction Impact: A difference of 3,159.66 NAD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2012.

3.4397
2.7894
JanuMarcMayJulySeptNove

PEN to NAD 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 2.9685, compared to 3.2595 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.2910 points.

H1 Avg (Jan–Jun) 2.9685
H2 Avg (Jul–Dec) 3.2595

Volatility Range Comparison

Volatility

The most volatile month in 2012 was May, with a trading range of 0.2165 NAD (High: 3.1457 / Low: 2.9292). On the other end, March was the most stable month, with a tight range of 0.0852 NAD (High: 2.8940 / Low: 2.8088).

May Spread (Volatile) ±0.2165
March Spread (Stable) ±0.0852

Growth Streaks & Declines

Trends

Between July and November, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 4 straight months. Conversely, the sharpest month-over-month decline occurred between January and February, when the average rate fell by 0.1213 points.

Longest Streak 4 Mo.
Sharpest MoM Drop -0.1213

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (November 2012: 3.3855) against the same month in 2011 (average: 3.0151), the exchange rate shifted by +0.3704 (+12.29%).

2012 Avg (November) 3.3855
2011 Avg (November) 3.0151

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 3.0323 2.8847 2.9753
February 2.9000 2.8109 2.8539
March 2.8940 2.8088 2.8435
April 2.9983 2.8548 2.9436
May 3.1457 2.9292 3.0557
June 3.1754 3.0741 3.1389
July 3.2241 3.0572 3.1289
August 3.2448 3.0919 3.1598
September 3.2221 3.1340 3.1804
October 3.4040 3.2028 3.3402
November 3.4407 3.3245 3.3855
December 3.4324 3.3112 3.3620