2022 HRK to PEN Historical Review

YEARLY HIGH

0.6036 PEN

YEARLY LOW

0.5015 PEN

YEARLY AVERAGE

0.5360 PEN

2022 HRK to PEN Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2022

During 2022, the HRK to PEN exchange rate experienced significant fluctuation. The market reached its absolute peak on January 1, valuing the pair at 0.6036. Conversely, the yearly low was recorded on September 27, dropping to 0.5015.

This high-to-low spread represents a total annual volatility of 0.1020 PEN. From a start-to-finish perspective, comparing the January average rate of 0.5858 to the December average rate of 0.5369, the exchange rate registered a net change of -8.35% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2022 high of 0.6036 was down 7.16% compared to the 2021 peak of 0.6501, 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 3,018 PEN

2021 Average 3,047 PEN

Yearly Trough Low 2,508 PEN

Transaction Impact: A difference of 510.17 PEN purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2022.

0.5932

0.5049

JanuMarcMayJulySeptNove

HRK to PEN 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 0.5480, compared to 0.5240 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0240 points.

H1 Avg (Jan–Jun) 0.5480

H2 Avg (Jul–Dec) 0.5240

Volatility Range Comparison

Volatility

The most volatile month in 2022 was January, with a trading range of 0.0354 PEN (High: 0.6036 / Low: 0.5681). On the other end, December was the most stable month, with a tight range of 0.0087 PEN (High: 0.5408 / Low: 0.5321).

January Spread (Volatile) ±0.0354

December Spread (Stable) ±0.0087

Growth Streaks & Declines

Trends

Between September and December, 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 0.0269 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0269

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2022: 0.5858) against the same month in 2021 (average: 0.5837), the exchange rate shifted by +0.0021 (+0.36%).

2022 Avg (January) 0.5858

2021 Avg (January) 0.5837

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.6036	0.5681	0.5858
February	0.5870	0.5532	0.5708
March	0.5568	0.5338	0.5439
April	0.5439	0.5290	0.5347
May	0.5380	0.5203	0.5267
June	0.5345	0.5190	0.5260
July	0.5340	0.5215	0.5282
August	0.5348	0.5078	0.5218
September	0.5211	0.5015	0.5122
October	0.5329	0.5105	0.5193
November	0.5326	0.5116	0.5253
December	0.5408	0.5321	0.5369