2022 HRK to ISK Historical Review

YEARLY HIGH

20.2051 ISK

YEARLY LOW

18.0653 ISK

YEARLY AVERAGE

18.8843 ISK

2022 HRK to ISK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2022

During 2022, the HRK to ISK exchange rate experienced significant fluctuation. The market reached its absolute peak on December 23, valuing the pair at 20.2051. Conversely, the yearly low was recorded on May 30, dropping to 18.0653.

This high-to-low spread represents a total annual volatility of 2.1397 ISK. From a start-to-finish perspective, comparing the January average rate of 19.4073 to the December average rate of 19.9726, the exchange rate registered a net change of 2.91% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2022 high of 20.2051 was down 2.74% compared to the 2021 peak of 20.7737, 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 101,025 ISK

2021 Average 99,728 ISK

Yearly Trough Low 90,327 ISK

Transaction Impact: A difference of 10,698.61 ISK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2022.

20.1324

18.2143

JanuMarcMayJulySeptNove

HRK to ISK 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 18.7436, compared to 19.0250 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.2813 points.

H1 Avg (Jan–Jun) 18.7436

H2 Avg (Jul–Dec) 19.0250

Volatility Range Comparison

Volatility

The most volatile month in 2022 was November, with a trading range of 0.9476 ISK (High: 19.9962 / Low: 19.0486). On the other end, July was the most stable month, with a tight range of 0.2347 ISK (High: 18.5963 / Low: 18.3615).

November Spread (Volatile) ±0.9476

July Spread (Stable) ±0.2347

Growth Streaks & Declines

Trends

Between May and August, 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 January and February, when the average rate fell by 0.5804 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.5804

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2022: 19.9726) against the same month in 2021 (average: 19.5528), the exchange rate shifted by +0.4198 (+2.15%).

2022 Avg (December) 19.9726

2021 Avg (December) 19.5528

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	19.6399	19.0763	19.4073
February	19.0701	18.6504	18.8269
March	19.3105	18.6778	18.9508
April	18.7897	18.1577	18.4994
May	18.5701	18.0653	18.3742
June	18.5769	18.1726	18.4033
July	18.5963	18.3615	18.4964
August	18.8940	18.4486	18.6777
September	18.9542	18.3699	18.6693
October	19.0278	18.5267	18.7993
November	19.9962	19.0486	19.5346
December	20.2051	19.6958	19.9726