2022 HRK to BZD Historical Review

YEARLY HIGH

0.3072 BZD

YEARLY LOW

0.2568 BZD

YEARLY AVERAGE

0.2820 BZD

2022 HRK to BZD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2022

During 2022, the HRK to BZD exchange rate experienced significant fluctuation. The market reached its absolute peak on January 13, valuing the pair at 0.3072. Conversely, the yearly low was recorded on September 27, dropping to 0.2568.

This high-to-low spread represents a total annual volatility of 0.0504 BZD. From a start-to-finish perspective, comparing the January average rate of 0.3032 to the December average rate of 0.2830, the exchange rate registered a net change of -6.68% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2022 high of 0.3072 was down 6.56% compared to the 2021 peak of 0.3288, 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 1,536 BZD

2021 Average 1,583 BZD

Yearly Trough Low 1,284 BZD

Transaction Impact: A difference of 252.02 BZD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2022.

0.3074

0.2590

JanuMarcMayJulySeptNove

HRK to BZD 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 0.2924, compared to 0.2716 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0208 points.

H1 Avg (Jan–Jun) 0.2924

H2 Avg (Jul–Dec) 0.2716

Volatility Range Comparison

Volatility

The most volatile month in 2022 was November, with a trading range of 0.0182 BZD (High: 0.2785 / Low: 0.2603). On the other end, December was the most stable month, with a tight range of 0.0070 BZD (High: 0.2863 / Low: 0.2793).

November Spread (Volatile) ±0.0182

December Spread (Stable) ±0.0070

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 0.0103 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0103

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2022: 0.3032) against the same month in 2021 (average: 0.3245), the exchange rate shifted by -0.0213 (-6.56%).

2022 Avg (January) 0.3032

2021 Avg (January) 0.3245

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.3072	0.2980	0.3032
February	0.3070	0.2982	0.3034
March	0.2970	0.2891	0.2931
April	0.2950	0.2794	0.2888
May	0.2874	0.2780	0.2828
June	0.2879	0.2792	0.2832
July	0.2793	0.2688	0.2733
August	0.2768	0.2666	0.2718
September	0.2714	0.2568	0.2654
October	0.2677	0.2596	0.2631
November	0.2785	0.2603	0.2731
December	0.2863	0.2793	0.2830