2022 DJF to HRK Historical Review

YEARLY HIGH

0.0441 HRK

YEARLY LOW

0.0369 HRK

YEARLY AVERAGE

0.0402 HRK

2022 DJF to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2022

During 2022, the DJF to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on September 27, valuing the pair at 0.0441. Conversely, the yearly low was recorded on February 7, dropping to 0.0369.

This high-to-low spread represents a total annual volatility of 0.0072 HRK. From a start-to-finish perspective, comparing the January average rate of 0.0374 to the December average rate of 0.0401, the exchange rate registered a net change of 7.19% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2022 high of 0.0441 was up 16.88% compared to the 2021 peak of 0.0377, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 220 HRK

2021 Average 179 HRK

Yearly Trough Low 184 HRK

Transaction Impact: A difference of 36.11 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2022.

0.0436

0.0368

JanuMarcMayJulySeptNove

DJF 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 0.0387, compared to 0.0417 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0030 points.

H1 Avg (Jan–Jun) 0.0387

H2 Avg (Jul–Dec) 0.0417

Volatility Range Comparison

Volatility

The most volatile month in 2022 was November, with a trading range of 0.0028 HRK (High: 0.0435 / Low: 0.0407). On the other end, December was the most stable month, with a tight range of 0.0009 HRK (High: 0.0406 / Low: 0.0397).

November Spread (Volatile) ±0.0028

December Spread (Stable) ±0.0009

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 0.0015 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.0015

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (September 2022: 0.0426) against the same month in 2021 (average: 0.0358), the exchange rate shifted by +0.0069 (+19.23%).

2022 Avg (September) 0.0426

2021 Avg (September) 0.0358

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0380	0.0369	0.0374
February	0.0380	0.0369	0.0373
March	0.0391	0.0381	0.0386
April	0.0405	0.0384	0.0392
May	0.0407	0.0394	0.0400
June	0.0405	0.0393	0.0400
July	0.0421	0.0405	0.0415
August	0.0424	0.0409	0.0416
September	0.0441	0.0417	0.0426
October	0.0436	0.0422	0.0431
November	0.0435	0.0407	0.0415
December	0.0406	0.0397	0.0401