2022 HRK to BAM Historical Review

YEARLY HIGH

0.2656 BAM

YEARLY LOW

0.2547 BAM

YEARLY AVERAGE

0.2595 BAM

2022 HRK to BAM Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2022

During 2022, the HRK to BAM exchange rate experienced significant fluctuation. The market reached its absolute peak on November 10, valuing the pair at 0.2656. Conversely, the yearly low was recorded on September 13, dropping to 0.2547.

This high-to-low spread represents a total annual volatility of 0.0108 BAM. From a start-to-finish perspective, comparing the January average rate of 0.2600 to the December average rate of 0.2593, the exchange rate registered a net change of -0.25% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2022 high of 0.2656 was up 1.25% compared to the 2021 peak of 0.2623, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 1,328 BAM

2021 Average 1,299 BAM

Yearly Trough Low 1,274 BAM

Transaction Impact: A difference of 54.22 BAM purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2022.

0.2604

0.2580

JanuMarcMayJulySeptNove

HRK to BAM 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 0.2592, compared to 0.2599 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0007 points.

H1 Avg (Jan–Jun) 0.2592

H2 Avg (Jul–Dec) 0.2599

Volatility Range Comparison

Volatility

The most volatile month in 2022 was November, with a trading range of 0.0095 BAM (High: 0.2656 / Low: 0.2561). On the other end, July was the most stable month, with a tight range of 0.0030 BAM (High: 0.2616 / Low: 0.2587).

November Spread (Volatile) ±0.0095

July Spread (Stable) ±0.0030

Growth Streaks & Declines

Trends

Between March and August, 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 February and March, when the average rate fell by 0.0012 points.

Longest Streak 5 Mo.

Sharpest MoM Drop -0.0012

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (November 2022: 0.2599) against the same month in 2021 (average: 0.2601), the exchange rate shifted by -0.0002 (-0.07%).

2022 Avg (November) 0.2599

2021 Avg (November) 0.2601

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.2618	0.2576	0.2600
February	0.2631	0.2566	0.2594
March	0.2611	0.2556	0.2582
April	0.2604	0.2566	0.2585
May	0.2612	0.2564	0.2594
June	0.2636	0.2574	0.2597
July	0.2616	0.2587	0.2600
August	0.2620	0.2578	0.2602
September	0.2638	0.2547	0.2597
October	0.2634	0.2575	0.2602
November	0.2656	0.2561	0.2599
December	0.2616	0.2573	0.2593