2022 JMD to HRK Historical Review

YEARLY HIGH

0.0517 HRK

YEARLY LOW

0.0419 HRK

YEARLY AVERAGE

0.0467 HRK

2022 JMD to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2022

During 2022, the JMD to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on September 27, valuing the pair at 0.0517. Conversely, the yearly low was recorded on February 6, dropping to 0.0419.

This high-to-low spread represents a total annual volatility of 0.0098 HRK. From a start-to-finish perspective, comparing the January average rate of 0.0429 to the December average rate of 0.0465, the exchange rate registered a net change of 8.39% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2022 high of 0.0517 was up 16.47% compared to the 2021 peak of 0.0444, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

Comparing the value generated converting 5,000 JMD based on timing:

Yearly Peak High 259 HRK

2021 Average 211 HRK

Yearly Trough Low 210 HRK

Transaction Impact: A difference of 48.96 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2022.

0.0509

0.0417

JanuMarcMayJulySeptNove

JMD to HRK 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 0.0447, compared to 0.0487 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0040 points.

H1 Avg (Jan–Jun) 0.0447

H2 Avg (Jul–Dec) 0.0487

Volatility Range Comparison

Volatility

The most volatile month in 2022 was November, with a trading range of 0.0035 HRK (High: 0.0505 / Low: 0.0469). On the other end, January was the most stable month, with a tight range of 0.0009 HRK (High: 0.0433 / Low: 0.0424).

November Spread (Volatile) ±0.0035

January Spread (Stable) ±0.0009

Growth Streaks & Declines

Trends

Between February and October, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 8 straight months. Conversely, the sharpest month-over-month decline occurred between October and November, when the average rate fell by 0.0021 points.

Longest Streak 8 Mo.

Sharpest MoM Drop -0.0021

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (September 2022: 0.0501) against the same month in 2021 (average: 0.0426), the exchange rate shifted by +0.0075 (+17.54%).

2022 Avg (September) 0.0501

2021 Avg (September) 0.0426

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0433	0.0424	0.0429
February	0.0436	0.0419	0.0425
March	0.0453	0.0439	0.0448
April	0.0466	0.0446	0.0452
May	0.0467	0.0453	0.0461
June	0.0479	0.0455	0.0467
July	0.0495	0.0479	0.0486
August	0.0501	0.0478	0.0489
September	0.0517	0.0489	0.0501
October	0.0507	0.0493	0.0501
November	0.0505	0.0469	0.0480
December	0.0470	0.0460	0.0465