2022 SBD to HRK Historical Review

YEARLY HIGH

0.9617 HRK

YEARLY LOW

0.8107 HRK

YEARLY AVERAGE

0.8800 HRK

2022 SBD to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2022

During 2022, the SBD to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on September 27, valuing the pair at 0.9617. Conversely, the yearly low was recorded on February 6, dropping to 0.8107.

This high-to-low spread represents a total annual volatility of 0.1510 HRK. From a start-to-finish perspective, comparing the January average rate of 0.8231 to the December average rate of 0.8663, the exchange rate registered a net change of 5.25% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2022 high of 0.9617 was up 15.37% compared to the 2021 peak of 0.8336, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 4,809 HRK

2021 Average 3,969 HRK

Yearly Trough Low 4,054 HRK

Transaction Impact: A difference of 755.03 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2022.

0.9490

0.8097

JanuMarcMayJulySeptNove

SBD 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 0.8545, compared to 0.9056 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0512 points.

H1 Avg (Jan–Jun) 0.8545

H2 Avg (Jul–Dec) 0.9056

Volatility Range Comparison

Volatility

The most volatile month in 2022 was November, with a trading range of 0.0606 HRK (High: 0.9400 / Low: 0.8794). On the other end, March was the most stable month, with a tight range of 0.0229 HRK (High: 0.8643 / Low: 0.8414).

November Spread (Volatile) ±0.0606

March Spread (Stable) ±0.0229

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 0.0408 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0408

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (September 2022: 0.9275) against the same month in 2021 (average: 0.7902), the exchange rate shifted by +0.1374 (+17.38%).

2022 Avg (September) 0.9275

2021 Avg (September) 0.7902

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.8374	0.8130	0.8231
February	0.8364	0.8107	0.8213
March	0.8643	0.8414	0.8546
April	0.8978	0.8532	0.8721
May	0.8961	0.8639	0.8795
June	0.8909	0.8632	0.8762
July	0.9201	0.8842	0.9044
August	0.9195	0.8832	0.9015
September	0.9617	0.9060	0.9275
October	0.9524	0.9108	0.9374
November	0.9400	0.8794	0.8966
December	0.8785	0.8507	0.8663