2022 ETB to HRK Historical Review

YEARLY HIGH

0.1489 HRK

YEARLY LOW

0.1306 HRK

YEARLY AVERAGE

0.1379 HRK

2022 ETB to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2022

During 2022, the ETB to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on September 27, valuing the pair at 0.1489. Conversely, the yearly low was recorded on February 20, dropping to 0.1306.

This high-to-low spread represents a total annual volatility of 0.0183 HRK. From a start-to-finish perspective, comparing the January average rate of 0.1340 to the December average rate of 0.1331, the exchange rate registered a net change of -0.70% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2022 high of 0.1489 was down 7.05% compared to the 2021 peak of 0.1602, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 745 HRK

2021 Average 727 HRK

Yearly Trough Low 653 HRK

Transaction Impact: A difference of 91.41 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2022.

0.1463

0.1302

JanuMarcMayJulySeptNove

ETB 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 0.1352, compared to 0.1406 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0054 points.

H1 Avg (Jan–Jun) 0.1352

H2 Avg (Jul–Dec) 0.1406

Volatility Range Comparison

Volatility

The most volatile month in 2022 was November, with a trading range of 0.0100 HRK (High: 0.1455 / Low: 0.1355). On the other end, February was the most stable month, with a tight range of 0.0033 HRK (High: 0.1339 / Low: 0.1306).

November Spread (Volatile) ±0.0100

February Spread (Stable) ±0.0033

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 0.0062 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.0062

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (September 2022: 0.1442) against the same month in 2021 (average: 0.1382), the exchange rate shifted by +0.0059 (+4.29%).

2022 Avg (September) 0.1442

2021 Avg (September) 0.1382

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.1358	0.1324	0.1340
February	0.1339	0.1306	0.1315
March	0.1366	0.1325	0.1344
April	0.1400	0.1330	0.1360
May	0.1404	0.1353	0.1380
June	0.1391	0.1347	0.1370
July	0.1437	0.1383	0.1411
August	0.1439	0.1387	0.1413
September	0.1489	0.1410	0.1442
October	0.1470	0.1418	0.1450
November	0.1455	0.1355	0.1388
December	0.1351	0.1313	0.1331