YEARLY HIGH
3281.7161 STD
YEARLY LOW
2893.5424 STD
YEARLY AVERAGE
3097.9570 STD

2022 HRK to STD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2022

During 2022, the HRK to STD exchange rate experienced significant fluctuation. The market reached its absolute peak on June 2, valuing the pair at 3281.7161. Conversely, the yearly low was recorded on September 27, dropping to 2893.5424.

This high-to-low spread represents a total annual volatility of 388.1737 STD. From a start-to-finish perspective, comparing the January average rate of 3182.2313 to the December average rate of 3203.2389, the exchange rate registered a net change of 0.66% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2022 high of 3281.7161 was down 2.92% compared to the 2021 peak of 3380.2618, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 16,408,580 STD
2021 Average 16,277,520 STD
Yearly Trough Low 14,467,712 STD
Transaction Impact: A difference of 1,940,868.51 STD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2022.

3227.0900
2940.8772
JanuMarcMayJulySeptNove

HRK to STD 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 3148.0282, compared to 3047.8857 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 100.1425 points.

H1 Avg (Jan–Jun) 3148.0282
H2 Avg (Jul–Dec) 3047.8857

Volatility Range Comparison

Volatility

The most volatile month in 2022 was July, with a trading range of 290.1479 STD (High: 3223.0699 / Low: 2932.9220). On the other end, December was the most stable month, with a tight range of 79.3759 STD (High: 3241.0313 / Low: 3161.6554).

July Spread (Volatile) ±290.1479
December Spread (Stable) ±79.3759

Growth Streaks & Declines

Trends

Between September and December, 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 June and July, when the average rate fell by 168.3814 points.

Longest Streak 3 Mo.
Sharpest MoM Drop -168.3814

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (June 2022: 3189.5614) against the same month in 2021 (average: 3293.9967), the exchange rate shifted by -104.4353 (-3.17%).

2022 Avg (June) 3189.5614
2021 Avg (June) 3293.9967

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 3243.8898 3122.7647 3182.2313
February 3218.2422 3133.4653 3183.3253
March 3160.0631 3072.6394 3112.7330
April 3132.8240 3008.4892 3094.5092
May 3280.0057 3040.2915 3125.8090
June 3281.7161 3049.8384 3189.5614
July 3223.0699 2932.9220 3021.1799
August 3075.4986 2962.3086 3010.5804
September 3013.9837 2893.5424 2964.7283
October 3068.4680 2930.9831 2991.3949
November 3153.2253 2952.3834 3096.1918
December 3241.0313 3161.6554 3203.2389