YEARLY HIGH
5.4213 NIO
YEARLY LOW
4.5802 NIO
YEARLY AVERAGE
5.0173 NIO

2022 HRK to NIO Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2022

During 2022, the HRK to NIO exchange rate experienced significant fluctuation. The market reached its absolute peak on February 7, valuing the pair at 5.4213. Conversely, the yearly low was recorded on September 27, dropping to 4.5802.

This high-to-low spread represents a total annual volatility of 0.8411 NIO. From a start-to-finish perspective, comparing the January average rate of 5.3313 to the December average rate of 5.1165, the exchange rate registered a net change of -4.03% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2022 high of 5.4213 was down 5.46% compared to the 2021 peak of 5.7342, 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 27,107 NIO
2021 Average 27,569 NIO
Yearly Trough Low 22,901 NIO
Transaction Impact: A difference of 4,205.42 NIO purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2022.

5.4034
4.6395
JanuMarcMayJulySeptNove

HRK to NIO 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 5.1780, compared to 4.8567 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.3213 points.

H1 Avg (Jan–Jun) 5.1780
H2 Avg (Jul–Dec) 4.8567

Volatility Range Comparison

Volatility

The most volatile month in 2022 was November, with a trading range of 0.3836 NIO (High: 5.0347 / Low: 4.6511). On the other end, December was the most stable month, with a tight range of 0.1230 NIO (High: 5.1733 / Low: 5.0503).

November Spread (Volatile) ±0.3836
December Spread (Stable) ±0.1230

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 June and July, when the average rate fell by 0.1769 points.

Longest Streak 2 Mo.
Sharpest MoM Drop -0.1769

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (February 2022: 5.3397) against the same month in 2021 (average: 5.5802), the exchange rate shifted by -0.2404 (-4.31%).

2022 Avg (February) 5.3397
2021 Avg (February) 5.5802

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 5.4021 5.2424 5.3313
February 5.4213 5.2402 5.3397
March 5.4063 5.1474 5.2134
April 5.2384 4.9639 5.1235
May 5.1042 4.9379 5.0234
June 5.1210 4.9598 5.0366
July 4.9687 4.7813 4.8597
August 4.9497 4.7542 4.8470
September 4.8389 4.5802 4.7334
October 4.8572 4.6345 4.7032
November 5.0347 4.6511 4.8805
December 5.1733 5.0503 5.1165