2022 HRK to BOB Historical Review

YEARLY HIGH

1.0508 BOB

YEARLY LOW

0.8803 BOB

YEARLY AVERAGE

0.9643 BOB

2022 HRK to BOB Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2022

During 2022, the HRK to BOB exchange rate experienced significant fluctuation. The market reached its absolute peak on January 13, valuing the pair at 1.0508. Conversely, the yearly low was recorded on September 27, dropping to 0.8803.

This high-to-low spread represents a total annual volatility of 0.1705 BOB. From a start-to-finish perspective, comparing the January average rate of 1.0366 to the December average rate of 0.9702, the exchange rate registered a net change of -6.40% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2022 high of 1.0508 was down 7.24% compared to the 2021 peak of 1.1328, 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 5,254 BOB

2021 Average 5,423 BOB

Yearly Trough Low 4,401 BOB

Transaction Impact: A difference of 852.53 BOB purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2022.

1.0500

0.8894

JanuMarcMayJulySeptNove

HRK to BOB 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 0.9984, compared to 0.9303 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0681 points.

H1 Avg (Jan–Jun) 0.9984

H2 Avg (Jul–Dec) 0.9303

Volatility Range Comparison

Volatility

The most volatile month in 2022 was November, with a trading range of 0.0638 BOB (High: 0.9561 / Low: 0.8922). On the other end, December was the most stable month, with a tight range of 0.0240 BOB (High: 0.9813 / Low: 0.9573).

November Spread (Volatile) ±0.0638

December Spread (Stable) ±0.0240

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 February and March, when the average rate fell by 0.0357 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0357

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2022: 1.0366) against the same month in 2021 (average: 1.1088), the exchange rate shifted by -0.0722 (-6.51%).

2022 Avg (January) 1.0366

2021 Avg (January) 1.1088

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	1.0508	1.0178	1.0366
February	1.0487	1.0172	1.0360
March	1.0131	0.9875	1.0004
April	1.0077	0.9530	0.9856
May	0.9816	0.9482	0.9648
June	0.9835	0.9523	0.9671
July	0.9541	0.9168	0.9323
August	0.9488	0.9138	0.9301
September	0.9303	0.8803	0.9100
October	0.9176	0.8909	0.9028
November	0.9561	0.8922	0.9364
December	0.9813	0.9573	0.9702