YEARLY HIGH
3.9255 HRK
YEARLY LOW
3.2822 HRK
YEARLY AVERAGE
3.5813 HRK

2022 BBD to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2022

During 2022, the BBD to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on September 27, valuing the pair at 3.9255. Conversely, the yearly low was recorded on January 13, dropping to 3.2822.

This high-to-low spread represents a total annual volatility of 0.6433 HRK. From a start-to-finish perspective, comparing the January average rate of 3.3233 to the December average rate of 3.5628, the exchange rate registered a net change of 7.21% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2022 high of 3.9255 was up 16.88% compared to the 2021 peak of 3.3586, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 19,628 HRK
2021 Average 15,920 HRK
Yearly Trough Low 16,411 HRK
Transaction Impact: A difference of 3,216.75 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2022.

3.8788
3.2709
JanuMarcMayJulySeptNove

BBD 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 3.4504, compared to 3.7122 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.2618 points.

H1 Avg (Jan–Jun) 3.4504
H2 Avg (Jul–Dec) 3.7122

Volatility Range Comparison

Volatility

The most volatile month in 2022 was November, with a trading range of 0.2462 HRK (High: 3.8653 / Low: 3.6191). On the other end, March was the most stable month, with a tight range of 0.0866 HRK (High: 3.4794 / Low: 3.3929).

November Spread (Volatile) ±0.2462
March Spread (Stable) ±0.0866

Growth Streaks & Declines

Trends

Between June and October, 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 October and November, when the average rate fell by 0.1401 points.

Longest Streak 4 Mo.
Sharpest MoM Drop -0.1401

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (September 2022: 3.7953) against the same month in 2021 (average: 3.1836), the exchange rate shifted by +0.6117 (+19.21%).

2022 Avg (September) 3.7953
2021 Avg (September) 3.1836

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 3.3798 3.2822 3.3233
February 3.3742 3.2837 3.3215
March 3.4794 3.3929 3.4383
April 3.6040 3.4223 3.4947
May 3.6241 3.5090 3.5638
June 3.6115 3.5034 3.5608
July 3.7472 3.6075 3.6875
August 3.7795 3.6404 3.7116
September 3.9255 3.7147 3.7953
October 3.8810 3.7316 3.8281
November 3.8653 3.6191 3.6881
December 3.6095 3.5211 3.5628