2022 BOB to HRK Historical Review

YEARLY HIGH

1.1360 HRK

YEARLY LOW

0.9517 HRK

YEARLY AVERAGE

1.0391 HRK

2022 BOB to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2022

During 2022, the BOB to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on September 27, valuing the pair at 1.1360. Conversely, the yearly low was recorded on January 13, dropping to 0.9517.

This high-to-low spread represents a total annual volatility of 0.1843 HRK. From a start-to-finish perspective, comparing the January average rate of 0.9648 to the December average rate of 1.0308, the exchange rate registered a net change of 6.84% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2022 high of 1.1360 was up 16.63% compared to the 2021 peak of 0.9740, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 5,680 HRK

2021 Average 4,612 HRK

Yearly Trough Low 4,758 HRK

Transaction Impact: A difference of 921.66 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2022.

1.1221

0.9505

JanuMarcMayJulySeptNove

BOB 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 1.0026, compared to 1.0757 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0731 points.

H1 Avg (Jan–Jun) 1.0026

H2 Avg (Jul–Dec) 1.0757

Volatility Range Comparison

Volatility

The most volatile month in 2022 was November, with a trading range of 0.0748 HRK (High: 1.1208 / Low: 1.0460). On the other end, December was the most stable month, with a tight range of 0.0255 HRK (High: 1.0446 / Low: 1.0191).

November Spread (Volatile) ±0.0748

December Spread (Stable) ±0.0255

Growth Streaks & Declines

Trends

Between January and May, 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 0.0394 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.0394

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (September 2022: 1.0991) against the same month in 2021 (average: 0.9225), the exchange rate shifted by +0.1766 (+19.15%).

2022 Avg (September) 1.0991

2021 Avg (September) 0.9225

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.9825	0.9517	0.9648
February	0.9831	0.9536	0.9653
March	1.0126	0.9870	0.9997
April	1.0493	0.9923	1.0149
May	1.0546	1.0187	1.0367
June	1.0501	1.0168	1.0341
July	1.0908	1.0481	1.0727
August	1.0943	1.0539	1.0753
September	1.1360	1.0749	1.0991
October	1.1224	1.0898	1.1078
November	1.1208	1.0460	1.0683
December	1.0446	1.0191	1.0308