2022 LRD to HRK Historical Review

YEARLY HIGH

0.0511 HRK

YEARLY LOW

0.0429 HRK

YEARLY AVERAGE

0.0468 HRK

2022 LRD to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2022

During 2022, the LRD to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on September 27, valuing the pair at 0.0511. Conversely, the yearly low was recorded on February 7, dropping to 0.0429.

This high-to-low spread represents a total annual volatility of 0.0083 HRK. From a start-to-finish perspective, comparing the January average rate of 0.0445 to the December average rate of 0.0462, the exchange rate registered a net change of 3.85% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2022 high of 0.0511 was up 8.41% compared to the 2021 peak of 0.0472, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 256 HRK

2021 Average 193 HRK

Yearly Trough Low 214 HRK

Transaction Impact: A difference of 41.45 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2022.

0.0505

0.0426

JanuMarcMayJulySeptNove

LRD 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 0.0454, compared to 0.0483 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0030 points.

H1 Avg (Jan–Jun) 0.0454

H2 Avg (Jul–Dec) 0.0483

Volatility Range Comparison

Volatility

The most volatile month in 2022 was November, with a trading range of 0.0033 HRK (High: 0.0503 / Low: 0.0470). On the other end, February was the most stable month, with a tight range of 0.0009 HRK (High: 0.0438 / Low: 0.0429).

November Spread (Volatile) ±0.0033

February Spread (Stable) ±0.0009

Growth Streaks & Declines

Trends

Between February and May, 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 October and November, when the average rate fell by 0.0019 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0019

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (September 2022: 0.0493) against the same month in 2021 (average: 0.0371), the exchange rate shifted by +0.0122 (+32.87%).

2022 Avg (September) 0.0493

2021 Avg (September) 0.0371

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0457	0.0439	0.0445
February	0.0438	0.0429	0.0432
March	0.0452	0.0441	0.0448
April	0.0474	0.0448	0.0459
May	0.0478	0.0461	0.0470
June	0.0475	0.0461	0.0468
July	0.0492	0.0473	0.0484
August	0.0492	0.0474	0.0483
September	0.0511	0.0483	0.0493
October	0.0506	0.0486	0.0498
November	0.0503	0.0470	0.0479
December	0.0469	0.0456	0.0462