2022 NAD to HRK Historical Review

YEARLY HIGH

0.4851 HRK

YEARLY LOW

0.4019 HRK

YEARLY AVERAGE

0.4402 HRK

2022 NAD to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2022

During 2022, the NAD to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on April 27, valuing the pair at 0.4851. Conversely, the yearly low was recorded on December 19, dropping to 0.4019.

This high-to-low spread represents a total annual volatility of 0.0832 HRK. From a start-to-finish perspective, comparing the January average rate of 0.4288 to the December average rate of 0.4133, the exchange rate registered a net change of -3.62% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2022 high of 0.4851 was up 5.33% compared to the 2021 peak of 0.4606, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 2,426 HRK

2021 Average 2,155 HRK

Yearly Trough Low 2,010 HRK

Transaction Impact: A difference of 416.21 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2022.

0.4720

0.4079

JanuMarcMayJulySeptNove

NAD 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 0.4481, compared to 0.4322 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0159 points.

H1 Avg (Jan–Jun) 0.4481

H2 Avg (Jul–Dec) 0.4322

Volatility Range Comparison

Volatility

The most volatile month in 2022 was March, with a trading range of 0.0447 HRK (High: 0.4741 / Low: 0.4294). On the other end, August was the most stable month, with a tight range of 0.0131 HRK (High: 0.4523 / Low: 0.4392).

March Spread (Volatile) ±0.0447

August Spread (Stable) ±0.0131

Growth Streaks & Declines

Trends

Between January and April, 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 April and May, when the average rate fell by 0.0191 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0191

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (April 2022: 0.4667) against the same month in 2021 (average: 0.4372), the exchange rate shifted by +0.0295 (+6.74%).

2022 Avg (April) 0.4667

2021 Avg (April) 0.4372

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.4412	0.4144	0.4288
February	0.4460	0.4231	0.4361
March	0.4741	0.4294	0.4581
April	0.4851	0.4481	0.4667
May	0.4550	0.4403	0.4476
June	0.4641	0.4434	0.4515
July	0.4699	0.4324	0.4587
August	0.4523	0.4392	0.4444
September	0.4453	0.4244	0.4328
October	0.4311	0.4096	0.4230
November	0.4303	0.4158	0.4213
December	0.4229	0.4019	0.4133