2022 HRK to ZAR Historical Review

YEARLY HIGH

2.4831 ZAR

YEARLY LOW

2.0829 ZAR

YEARLY AVERAGE

2.2841 ZAR

2022 HRK to ZAR Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2022

During 2022, the HRK to ZAR exchange rate experienced significant fluctuation. The market reached its absolute peak on December 18, valuing the pair at 2.4831. Conversely, the yearly low was recorded on April 12, dropping to 2.0829.

This high-to-low spread represents a total annual volatility of 0.4002 ZAR. From a start-to-finish perspective, comparing the January average rate of 2.3324 to the December average rate of 2.4265, the exchange rate registered a net change of 4.04% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2022 high of 2.4831 was down 0.78% compared to the 2021 peak of 2.5027, 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 12,415 ZAR

2021 Average 11,612 ZAR

Yearly Trough Low 10,414 ZAR

Transaction Impact: A difference of 2,001.12 ZAR purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2022.

2.4542

2.1222

JanuMarcMayJulySeptNove

HRK to ZAR 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 2.2340, compared to 2.3343 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.1003 points.

H1 Avg (Jan–Jun) 2.2340

H2 Avg (Jul–Dec) 2.3343

Volatility Range Comparison

Volatility

The most volatile month in 2022 was March, with a trading range of 0.1580 ZAR (High: 2.2646 / Low: 2.1066). On the other end, November was the most stable month, with a tight range of 0.0651 ZAR (High: 2.3896 / Low: 2.3245).

March Spread (Volatile) ±0.1580

November Spread (Stable) ±0.0651

Growth Streaks & Declines

Trends

Between August and October, 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 February and March, when the average rate fell by 0.1174 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.1174

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2022: 2.4265) against the same month in 2021 (average: 2.3866), the exchange rate shifted by +0.0400 (+1.67%).

2022 Avg (December) 2.4265

2021 Avg (December) 2.3866

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	2.4132	2.2719	2.3324
February	2.3585	2.2534	2.2935
March	2.2646	2.1066	2.1760
April	2.2323	2.0829	2.1498
May	2.2784	2.1776	2.2301
June	2.2670	2.1790	2.2221
July	2.3302	2.2414	2.2800
August	2.2894	2.2080	2.2516
September	2.3575	2.2733	2.3160
October	2.4151	2.3176	2.3666
November	2.3896	2.3245	2.3648
December	2.4831	2.3899	2.4265