2022 HRK to NAD Historical Review

YEARLY HIGH

2.4882 NAD

YEARLY LOW

2.0613 NAD

YEARLY AVERAGE

2.2753 NAD

2022 HRK to NAD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2022

During 2022, the HRK to NAD exchange rate experienced significant fluctuation. The market reached its absolute peak on December 19, valuing the pair at 2.4882. Conversely, the yearly low was recorded on April 27, dropping to 2.0613.

This high-to-low spread represents a total annual volatility of 0.4269 NAD. From a start-to-finish perspective, comparing the January average rate of 2.3327 to the December average rate of 2.4200, the exchange rate registered a net change of 3.74% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2022 high of 2.4882 was up 0.13% compared to the 2021 peak of 2.4850, 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 12,441 NAD

2021 Average 11,612 NAD

Yearly Trough Low 10,306 NAD

Transaction Impact: A difference of 2,134.62 NAD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2022.

2.4476

2.1163

JanuMarcMayJulySeptNove

HRK to NAD 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 2.2339, compared to 2.3167 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0828 points.

H1 Avg (Jan–Jun) 2.2339

H2 Avg (Jul–Dec) 2.3167

Volatility Range Comparison

Volatility

The most volatile month in 2022 was March, with a trading range of 0.2198 NAD (High: 2.3290 / Low: 2.1092). On the other end, August was the most stable month, with a tight range of 0.0659 NAD (High: 2.2770 / Low: 2.2111).

March Spread (Volatile) ±0.2198

August Spread (Stable) ±0.0659

Growth Streaks & Declines

Trends

Between July and December, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 5 straight months. Conversely, the sharpest month-over-month decline occurred between February and March, when the average rate fell by 0.1095 points.

Longest Streak 5 Mo.

Sharpest MoM Drop -0.1095

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2022: 2.4200) against the same month in 2021 (average: 2.3905), the exchange rate shifted by +0.0295 (+1.23%).

2022 Avg (December) 2.4200

2021 Avg (December) 2.3905

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	2.4130	2.2663	2.3327
February	2.3638	2.2420	2.2935
March	2.3290	2.1092	2.1840
April	2.2318	2.0613	2.1439
May	2.2712	2.1979	2.2341
June	2.2551	2.1547	2.2153
July	2.3126	2.1280	2.1806
August	2.2770	2.2111	2.2504
September	2.3561	2.2456	2.3107
October	2.4413	2.3194	2.3646
November	2.4048	2.3241	2.3739
December	2.4882	2.3644	2.4200