YEARLY HIGH
306.4732 CDF
YEARLY LOW
261.1604 CDF
YEARLY AVERAGE
282.5164 CDF

2022 HRK to CDF Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2022

During 2022, the HRK to CDF exchange rate experienced significant fluctuation. The market reached its absolute peak on February 4, valuing the pair at 306.4732. Conversely, the yearly low was recorded on September 27, dropping to 261.1604.

This high-to-low spread represents a total annual volatility of 45.3128 CDF. From a start-to-finish perspective, comparing the January average rate of 301.7206 to the December average rate of 287.0867, the exchange rate registered a net change of -4.85% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2022 high of 306.4732 was down 5.78% compared to the 2021 peak of 325.2682, 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 1,532,366 CDF
2021 Average 1,564,155 CDF
Yearly Trough Low 1,305,802 CDF
Transaction Impact: A difference of 226,564.14 CDF purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2022.

306.0223
263.7591
JanuMarcMayJulySeptNove

HRK to CDF 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 291.1309, compared to 273.9019 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 17.2290 points.

H1 Avg (Jan–Jun) 291.1309
H2 Avg (Jul–Dec) 273.9019

Volatility Range Comparison

Volatility

The most volatile month in 2022 was November, with a trading range of 18.8116 CDF (High: 283.6533 / Low: 264.8418). On the other end, December was the most stable month, with a tight range of 5.6806 CDF (High: 289.8406 / Low: 284.1601).

November Spread (Volatile) ±18.8116
December Spread (Stable) ±5.6806

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 10.5466 points.

Longest Streak 2 Mo.
Sharpest MoM Drop -10.5466

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (February 2022: 302.5003) against the same month in 2021 (average: 316.2682), the exchange rate shifted by -13.7679 (-4.35%).

2022 Avg (February) 302.5003
2021 Avg (February) 316.2682

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 305.1138 296.4769 301.7206
February 306.4732 297.6967 302.5003
March 295.5519 288.2947 291.9537
April 293.6579 278.0096 287.4403
May 285.4296 277.6302 281.9926
June 285.7117 277.3963 281.1778
July 277.1751 266.7164 270.9949
August 274.6727 267.2082 271.0909
September 275.4563 261.1604 269.0911
October 272.1838 264.0214 267.2810
November 283.6533 264.8418 277.8665
December 289.8406 284.1601 287.0867