2022 HRK to TOP Historical Review

YEARLY HIGH

0.3473 TOP

YEARLY LOW

0.3090 TOP

YEARLY AVERAGE

0.3258 TOP

2022 HRK to TOP Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2022

During 2022, the HRK to TOP exchange rate experienced significant fluctuation. The market reached its absolute peak on January 13, valuing the pair at 0.3473. Conversely, the yearly low was recorded on September 25, dropping to 0.3090.

This high-to-low spread represents a total annual volatility of 0.0383 TOP. From a start-to-finish perspective, comparing the January average rate of 0.3424 to the December average rate of 0.3293, the exchange rate registered a net change of -3.81% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2022 high of 0.3473 was down 6.16% compared to the 2021 peak of 0.3701, 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 1,737 TOP

2021 Average 1,780 TOP

Yearly Trough Low 1,545 TOP

Transaction Impact: A difference of 191.49 TOP purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2022.

0.3452

0.3113

JanuMarcMayJulySeptNove

HRK to TOP 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 0.3317, compared to 0.3198 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0119 points.

H1 Avg (Jan–Jun) 0.3317

H2 Avg (Jul–Dec) 0.3198

Volatility Range Comparison

Volatility

The most volatile month in 2022 was November, with a trading range of 0.0157 TOP (High: 0.3283 / Low: 0.3126). On the other end, June was the most stable month, with a tight range of 0.0066 TOP (High: 0.3292 / Low: 0.3226).

November Spread (Volatile) ±0.0157

June Spread (Stable) ±0.0066

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 0.0120 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0120

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2022: 0.3424) against the same month in 2021 (average: 0.3671), the exchange rate shifted by -0.0247 (-6.72%).

2022 Avg (January) 0.3424

2021 Avg (January) 0.3671

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.3473	0.3364	0.3424
February	0.3454	0.3368	0.3413
March	0.3355	0.3257	0.3293
April	0.3289	0.3199	0.3247
May	0.3296	0.3217	0.3259
June	0.3292	0.3226	0.3267
July	0.3249	0.3144	0.3188
August	0.3206	0.3099	0.3150
September	0.3185	0.3090	0.3141
October	0.3249	0.3148	0.3181
November	0.3283	0.3126	0.3235
December	0.3325	0.3254	0.3293