YEARLY HIGH
5.2336 UAH
YEARLY LOW
3.9396 UAH
YEARLY AVERAGE
4.5439 UAH

2022 HRK to UAH Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2022

During 2022, the HRK to UAH exchange rate experienced significant fluctuation. The market reached its absolute peak on December 30, valuing the pair at 5.2336. Conversely, the yearly low was recorded on July 12, dropping to 3.9396.

This high-to-low spread represents a total annual volatility of 1.2940 UAH. From a start-to-finish perspective, comparing the January average rate of 4.2115 to the December average rate of 5.1732, the exchange rate registered a net change of 22.84% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2022 high of 5.2336 was up 13.51% compared to the 2021 peak of 4.6105, 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 26,168 UAH
2021 Average 21,436 UAH
Yearly Trough Low 19,698 UAH
Transaction Impact: A difference of 6,469.88 UAH purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2022.

5.2757
4.0451
JanuMarcMayJulySeptNove

HRK to UAH 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 4.2295, compared to 4.8583 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.6288 points.

H1 Avg (Jan–Jun) 4.2295
H2 Avg (Jul–Dec) 4.8583

Volatility Range Comparison

Volatility

The most volatile month in 2022 was July, with a trading range of 1.0829 UAH (High: 5.0226 / Low: 3.9396). On the other end, April was the most stable month, with a tight range of 0.1099 UAH (High: 4.3031 / Low: 4.1932).

July Spread (Volatile) ±1.0829
April Spread (Stable) ±0.1099

Growth Streaks & Declines

Trends

Between January and March, 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 August and September, when the average rate fell by 0.1135 points.

Longest Streak 2 Mo.
Sharpest MoM Drop -0.1135

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2022: 5.1732) against the same month in 2021 (average: 4.0906), the exchange rate shifted by +1.0826 (+26.46%).

2022 Avg (December) 5.1732
2021 Avg (December) 4.0906

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 4.3065 4.0942 4.2115
February 4.4640 4.2222 4.3004
March 4.4185 4.2309 4.3115
April 4.3031 4.1932 4.2397
May 4.2447 4.0759 4.1663
June 4.2147 4.0923 4.1476
July 5.0226 3.9396 4.3226
August 5.0713 4.8844 4.9742
September 4.9721 4.7047 4.8607
October 4.9043 4.7562 4.8209
November 5.1031 4.7687 4.9980
December 5.2336 5.1163 5.1732