2022 HRK to SGD Historical Review

YEARLY HIGH

0.2051 SGD

YEARLY LOW

0.1833 SGD

YEARLY AVERAGE

0.1927 SGD

2022 HRK to SGD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2022

During 2022, the HRK to SGD exchange rate experienced significant fluctuation. The market reached its absolute peak on January 16, valuing the pair at 0.2051. Conversely, the yearly low was recorded on September 27, dropping to 0.1833.

This high-to-low spread represents a total annual volatility of 0.0219 SGD. From a start-to-finish perspective, comparing the January average rate of 0.2032 to the December average rate of 0.1898, the exchange rate registered a net change of -6.62% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2022 high of 0.2051 was down 5.34% compared to the 2021 peak of 0.2167, 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 1,026 SGD

2021 Average 1,056 SGD

Yearly Trough Low 916 SGD

Transaction Impact: A difference of 109.29 SGD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2022.

0.2050

0.1842

JanuMarcMayJulySeptNove

HRK to SGD 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 0.1979, compared to 0.1875 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0104 points.

H1 Avg (Jan–Jun) 0.1979

H2 Avg (Jul–Dec) 0.1875

Volatility Range Comparison

Volatility

The most volatile month in 2022 was July, with a trading range of 0.0065 SGD (High: 0.1935 / Low: 0.1870). On the other end, May was the most stable month, with a tight range of 0.0030 SGD (High: 0.1955 / Low: 0.1925).

July Spread (Volatile) ±0.0065

May Spread (Stable) ±0.0030

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 0.0053 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0053

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2022: 0.2032) against the same month in 2021 (average: 0.2134), the exchange rate shifted by -0.0102 (-4.77%).

2022 Avg (January) 0.2032

2021 Avg (January) 0.2134

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.2051	0.2001	0.2032
February	0.2048	0.2008	0.2028
March	0.1996	0.1957	0.1976
April	0.1982	0.1921	0.1954
May	0.1955	0.1925	0.1939
June	0.1962	0.1926	0.1944
July	0.1935	0.1870	0.1891
August	0.1882	0.1844	0.1865
September	0.1879	0.1833	0.1861
October	0.1888	0.1842	0.1860
November	0.1902	0.1839	0.1878
December	0.1917	0.1882	0.1898