2022 HRK to BND Historical Review

YEARLY HIGH

0.2054 BND

YEARLY LOW

0.1829 BND

YEARLY AVERAGE

0.1927 BND

2022 HRK to BND Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2022

During 2022, the HRK to BND exchange rate experienced significant fluctuation. The market reached its absolute peak on January 12, valuing the pair at 0.2054. Conversely, the yearly low was recorded on September 27, dropping to 0.1829.

This high-to-low spread represents a total annual volatility of 0.0225 BND. From a start-to-finish perspective, comparing the January average rate of 0.2032 to the December average rate of 0.1897, the exchange rate registered a net change of -6.62% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2022 high of 0.2054 was down 5.30% compared to the 2021 peak of 0.2169, 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 1,027 BND

2021 Average 1,055 BND

Yearly Trough Low 914 BND

Transaction Impact: A difference of 112.53 BND purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2022.

0.2049

0.1842

JanuMarcMayJulySeptNove

HRK to BND 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 0.1979, compared to 0.1876 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0103 points.

H1 Avg (Jan–Jun) 0.1979

H2 Avg (Jul–Dec) 0.1876

Volatility Range Comparison

Volatility

The most volatile month in 2022 was November, with a trading range of 0.0087 BND (High: 0.1925 / Low: 0.1837). On the other end, June was the most stable month, with a tight range of 0.0037 BND (High: 0.1963 / Low: 0.1926).

November Spread (Volatile) ±0.0087

June Spread (Stable) ±0.0037

Growth Streaks & Declines

Trends

Between September and December, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 3 straight months. Conversely, the sharpest month-over-month decline occurred between June and July, when the average rate fell by 0.0053 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0053

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2022: 0.2032) against the same month in 2021 (average: 0.2135), the exchange rate shifted by -0.0103 (-4.83%).

2022 Avg (January) 0.2032

2021 Avg (January) 0.2135

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.2054	0.2000	0.2032
February	0.2048	0.2002	0.2027
March	0.1996	0.1953	0.1976
April	0.1985	0.1918	0.1955
May	0.1959	0.1922	0.1939
June	0.1963	0.1926	0.1944
July	0.1934	0.1871	0.1891
August	0.1889	0.1843	0.1865
September	0.1880	0.1829	0.1859
October	0.1898	0.1841	0.1863
November	0.1925	0.1837	0.1881
December	0.1913	0.1875	0.1897