2012 SBD to NAD Historical Review

YEARLY HIGH

1.2621 NAD

YEARLY LOW

1.0523 NAD

YEARLY AVERAGE

1.1515 NAD

2012 SBD to NAD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2012

During 2012, the SBD to NAD exchange rate experienced significant fluctuation. The market reached its absolute peak on November 22, valuing the pair at 1.2621. Conversely, the yearly low was recorded on March 8, dropping to 1.0523.

This high-to-low spread represents a total annual volatility of 0.2099 NAD. From a start-to-finish perspective, comparing the January average rate of 1.0922 to the December average rate of 1.2161, the exchange rate registered a net change of 11.34% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2012 high of 1.2621 was up 12.45% compared to the 2011 peak of 1.1224, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 6,311 NAD

2011 Average 4,768 NAD

Yearly Trough Low 5,261 NAD

Transaction Impact: A difference of 1,049.37 NAD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2012.

1.2558

1.0465

JanuMarcMayJulySeptNove

SBD 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 1.1103, compared to 1.1928 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0825 points.

H1 Avg (Jan–Jun) 1.1103

H2 Avg (Jul–Dec) 1.1928

Volatility Range Comparison

Volatility

The most volatile month in 2012 was July, with a trading range of 0.0869 NAD (High: 1.2048 / Low: 1.1179). On the other end, March was the most stable month, with a tight range of 0.0297 NAD (High: 1.0819 / Low: 1.0523).

July Spread (Volatile) ±0.0869

March Spread (Stable) ±0.0297

Growth Streaks & Declines

Trends

Between March and June, 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 June and July, when the average rate fell by 0.0473 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0473

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (November 2012: 1.2383) against the same month in 2011 (average: 1.0797), the exchange rate shifted by +0.1587 (+14.70%).

2012 Avg (November) 1.2383

2011 Avg (November) 1.0797

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	1.1142	1.0615	1.0922
February	1.0997	1.0682	1.0864
March	1.0819	1.0523	1.0640
April	1.1194	1.0734	1.0971
May	1.1614	1.0821	1.1248
June	1.2101	1.1737	1.1973
July	1.2048	1.1179	1.1500
August	1.2003	1.1453	1.1702
September	1.1896	1.1455	1.1679
October	1.2359	1.1654	1.2142
November	1.2621	1.2104	1.2383
December	1.2502	1.1914	1.2161