2022 HRK to BIF Historical Review

YEARLY HIGH

306.6253 BIF

YEARLY LOW

262.1895 BIF

YEARLY AVERAGE

285.5876 BIF

2022 HRK to BIF Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2022

During 2022, the HRK to BIF exchange rate experienced significant fluctuation. The market reached its absolute peak on February 4, valuing the pair at 306.6253. Conversely, the yearly low was recorded on September 27, dropping to 262.1895.

This high-to-low spread represents a total annual volatility of 44.4358 BIF. From a start-to-finish perspective, comparing the January average rate of 301.2526 to the December average rate of 290.1136, the exchange rate registered a net change of -3.70% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2022 high of 306.6253 was down 4.72% compared to the 2021 peak of 321.8017, 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 1,533,126 BIF

2021 Average 1,550,942 BIF

Yearly Trough Low 1,310,947 BIF

Transaction Impact: A difference of 222,179.11 BIF purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2022.

305.5444

265.5441

JanuMarcMayJulySeptNove

HRK to BIF 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 293.6849, compared to 277.4902 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 16.1947 points.

H1 Avg (Jan–Jun) 293.6849

H2 Avg (Jul–Dec) 277.4902

Volatility Range Comparison

Volatility

The most volatile month in 2022 was April, with a trading range of 19.1332 BIF (High: 300.3070 / Low: 281.1738). On the other end, December was the most stable month, with a tight range of 6.8585 BIF (High: 292.9033 / Low: 286.0448).

April Spread (Volatile) ±19.1332

December Spread (Stable) ±6.8585

Growth Streaks & Declines

Trends

Between October and December, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 2 straight months. Conversely, the sharpest month-over-month decline occurred between June and July, when the average rate fell by 9.0755 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -9.0755

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (February 2022: 302.2111) against the same month in 2021 (average: 311.5079), the exchange rate shifted by -9.2968 (-2.98%).

2022 Avg (February) 302.2111

2021 Avg (February) 311.5079

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	304.9419	295.5615	301.2526
February	306.6253	296.6266	302.2111
March	299.8328	289.6653	294.4188
April	300.3070	281.1738	290.9431
May	292.5241	280.6408	285.4072
June	293.7275	283.4521	287.8769
July	285.2258	274.5291	278.8013
August	281.9658	271.5250	276.9992
September	276.8481	262.1895	270.7836
October	274.7550	265.1403	268.8775
November	285.5872	267.0511	279.3661
December	292.9033	286.0448	290.1136