2022 HRK to NZD Historical Review

YEARLY HIGH

0.2328 NZD

YEARLY LOW

0.2081 NZD

YEARLY AVERAGE

0.2202 NZD

2022 HRK to NZD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2022

During 2022, the HRK to NZD exchange rate experienced significant fluctuation. The market reached its absolute peak on September 30, valuing the pair at 0.2328. Conversely, the yearly low was recorded on March 25, dropping to 0.2081.

This high-to-low spread represents a total annual volatility of 0.0247 NZD. From a start-to-finish perspective, comparing the January average rate of 0.2232 to the December average rate of 0.2209, the exchange rate registered a net change of -1.06% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2022 high of 0.2328 was up 1.85% compared to the 2021 peak of 0.2286, 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 1,164 NZD

2021 Average 1,111 NZD

Yearly Trough Low 1,040 NZD

Transaction Impact: A difference of 123.60 NZD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2022.

0.2314

0.2098

JanuMarcMayJulySeptNove

HRK to NZD 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 0.2187, compared to 0.2216 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0028 points.

H1 Avg (Jan–Jun) 0.2187

H2 Avg (Jul–Dec) 0.2216

Volatility Range Comparison

Volatility

The most volatile month in 2022 was September, with a trading range of 0.0163 NZD (High: 0.2328 / Low: 0.2165). On the other end, June was the most stable month, with a tight range of 0.0065 NZD (High: 0.2240 / Low: 0.2176).

September Spread (Volatile) ±0.0163

June Spread (Stable) ±0.0065

Growth Streaks & Declines

Trends

Between March and June, 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 February and March, when the average rate fell by 0.0140 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0140

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (September 2022: 0.2219) against the same month in 2021 (average: 0.2225), the exchange rate shifted by -0.0006 (-0.27%).

2022 Avg (September) 0.2219

2021 Avg (September) 0.2225

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.2271	0.2203	0.2232
February	0.2301	0.2191	0.2256
March	0.2174	0.2081	0.2116
April	0.2160	0.2082	0.2120
May	0.2222	0.2148	0.2190
June	0.2240	0.2176	0.2210
July	0.2233	0.2154	0.2185
August	0.2186	0.2116	0.2154
September	0.2328	0.2165	0.2219
October	0.2328	0.2254	0.2296
November	0.2258	0.2187	0.2230
December	0.2247	0.2174	0.2209