2022 CDF to HRK Historical Review

YEARLY HIGH

0.0038 HRK

YEARLY LOW

0.0033 HRK

YEARLY AVERAGE

0.0035 HRK

2022 CDF to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2022

During 2022, the CDF to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on September 27, valuing the pair at 0.0038. Conversely, the yearly low was recorded on February 5, dropping to 0.0033.

This high-to-low spread represents a total annual volatility of 0.0006 HRK. From a start-to-finish perspective, comparing the January average rate of 0.0033 to the December average rate of 0.0035, the exchange rate registered a net change of 5.09% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2022 high of 0.0038 was up 13.69% compared to the 2021 peak of 0.0034, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 19 HRK

2021 Average 16 HRK

Yearly Trough Low 16 HRK

Transaction Impact: A difference of 2.83 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2022.

0.0038

0.0033

JanuMarcMayJulySeptNove

CDF 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 0.0034, compared to 0.0037 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0002 points.

H1 Avg (Jan–Jun) 0.0034

H2 Avg (Jul–Dec) 0.0037

Volatility Range Comparison

Volatility

The most volatile month in 2022 was November, with a trading range of 0.0003 HRK (High: 0.0038 / Low: 0.0035). On the other end, December was the most stable month, with a tight range of 0.0001 HRK (High: 0.0035 / Low: 0.0035).

November Spread (Volatile) ±0.0003

December Spread (Stable) ±0.0001

Growth Streaks & Declines

Trends

Between February and July, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 5 straight months. Conversely, the sharpest month-over-month decline occurred between October and November, when the average rate fell by 0.0001 points.

Longest Streak 5 Mo.

Sharpest MoM Drop -0.0001

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (September 2022: 0.0037) against the same month in 2021 (average: 0.0032), the exchange rate shifted by +0.0005 (+16.23%).

2022 Avg (September) 0.0037

2021 Avg (September) 0.0032

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0034	0.0033	0.0033
February	0.0034	0.0033	0.0033
March	0.0035	0.0034	0.0034
April	0.0036	0.0034	0.0035
May	0.0036	0.0035	0.0035
June	0.0036	0.0035	0.0036
July	0.0037	0.0036	0.0037
August	0.0037	0.0036	0.0037
September	0.0038	0.0036	0.0037
October	0.0038	0.0037	0.0037
November	0.0038	0.0035	0.0036
December	0.0035	0.0035	0.0035