2022 SVC to HRK Historical Review

YEARLY HIGH

0.8971 HRK

YEARLY LOW

0.7499 HRK

YEARLY AVERAGE

0.8186 HRK

2022 SVC to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2022

During 2022, the SVC to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on September 27, valuing the pair at 0.8971. Conversely, the yearly low was recorded on January 13, dropping to 0.7499.

This high-to-low spread represents a total annual volatility of 0.1472 HRK. From a start-to-finish perspective, comparing the January average rate of 0.7598 to the December average rate of 0.8141, the exchange rate registered a net change of 7.16% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2022 high of 0.8971 was up 16.88% compared to the 2021 peak of 0.7675, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 4,485 HRK

2021 Average 3,639 HRK

Yearly Trough Low 3,750 HRK

Transaction Impact: A difference of 735.77 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2022.

0.8867

0.7477

JanuMarcMayJulySeptNove

SVC 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 0.7885, compared to 0.8487 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0602 points.

H1 Avg (Jan–Jun) 0.7885

H2 Avg (Jul–Dec) 0.8487

Volatility Range Comparison

Volatility

The most volatile month in 2022 was November, with a trading range of 0.0580 HRK (High: 0.8851 / Low: 0.8271). On the other end, December was the most stable month, with a tight range of 0.0202 HRK (High: 0.8250 / Low: 0.8047).

November Spread (Volatile) ±0.0580

December Spread (Stable) ±0.0202

Growth Streaks & Declines

Trends

Between June and October, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 4 straight months. Conversely, the sharpest month-over-month decline occurred between October and November, when the average rate fell by 0.0313 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.0313

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (September 2022: 0.8679) against the same month in 2021 (average: 0.7277), the exchange rate shifted by +0.1403 (+19.28%).

2022 Avg (September) 0.8679

2021 Avg (September) 0.7277

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.7731	0.7499	0.7598
February	0.7724	0.7503	0.7593
March	0.7967	0.7755	0.7858
April	0.8244	0.7808	0.7978
May	0.8287	0.8017	0.8147
June	0.8251	0.8001	0.8134
July	0.8570	0.8247	0.8431
August	0.8641	0.8323	0.8478
September	0.8971	0.8489	0.8679
October	0.8875	0.8607	0.8752
November	0.8851	0.8271	0.8439
December	0.8250	0.8047	0.8141