YEARLY HIGH
23.3336 LRD
YEARLY LOW
19.5514 LRD
YEARLY AVERAGE
21.3852 LRD

2022 HRK to LRD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2022

During 2022, the HRK to LRD exchange rate experienced significant fluctuation. The market reached its absolute peak on February 7, valuing the pair at 23.3336. Conversely, the yearly low was recorded on September 27, dropping to 19.5514.

This high-to-low spread represents a total annual volatility of 3.7822 LRD. From a start-to-finish perspective, comparing the January average rate of 22.4783 to the December average rate of 21.6416, the exchange rate registered a net change of -3.72% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2022 high of 23.3336 was down 16.61% compared to the 2021 peak of 27.9802, 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 116,668 LRD
2021 Average 130,755 LRD
Yearly Trough Low 97,757 LRD
Transaction Impact: A difference of 18,911.20 LRD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2022.

23.4423
19.7657
JanuMarcMayJulySeptNove

HRK to LRD 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 22.0641, compared to 20.7064 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 1.3577 points.

H1 Avg (Jan–Jun) 22.0641
H2 Avg (Jul–Dec) 20.7064

Volatility Range Comparison

Volatility

The most volatile month in 2022 was November, with a trading range of 1.4069 LRD (High: 21.2757 / Low: 19.8688). On the other end, February was the most stable month, with a tight range of 0.4841 LRD (High: 23.3336 / Low: 22.8495).

November Spread (Volatile) ±1.4069
February Spread (Stable) ±0.4841

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 0.7975 points.

Longest Streak 2 Mo.
Sharpest MoM Drop -0.7975

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (February 2022: 23.1359) against the same month in 2021 (average: 27.5586), the exchange rate shifted by -4.4227 (-16.05%).

2022 Avg (February) 23.1359
2021 Avg (February) 27.5586

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 22.8029 21.9048 22.4783
February 23.3336 22.8495 23.1359
March 22.6875 22.1299 22.3384
April 22.3101 21.0807 21.7860
May 21.6939 20.9017 21.2909
June 21.6935 21.0442 21.3549
July 21.1370 20.3337 20.6837
August 21.0828 20.3268 20.6969
September 20.7217 19.5514 20.2751
October 20.5743 19.7823 20.0720
November 21.2757 19.8688 20.8688
December 21.9321 21.3430 21.6416