2022 ZAR to HRK Historical Review

YEARLY HIGH

0.4801 HRK

YEARLY LOW

0.4027 HRK

YEARLY AVERAGE

0.4384 HRK

2022 ZAR to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2022

During 2022, the ZAR to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on April 12, valuing the pair at 0.4801. Conversely, the yearly low was recorded on December 18, dropping to 0.4027.

This high-to-low spread represents a total annual volatility of 0.0774 HRK. From a start-to-finish perspective, comparing the January average rate of 0.4289 to the December average rate of 0.4122, the exchange rate registered a net change of -3.90% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2022 high of 0.4801 was up 4.50% compared to the 2021 peak of 0.4594, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

Comparing the value generated converting 50,000 ZAR based on timing:

Yearly Peak High 24,006 HRK

2021 Average 21,544 HRK

Yearly Trough Low 20,136 HRK

Transaction Impact: A difference of 3,869.21 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2022.

0.4707

0.4068

JanuMarcMayJulySeptNove

ZAR 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 0.4287 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0194 points.

H1 Avg (Jan–Jun) 0.4481

H2 Avg (Jul–Dec) 0.4287

Volatility Range Comparison

Volatility

The most volatile month in 2022 was March, with a trading range of 0.0331 HRK (High: 0.4747 / Low: 0.4416). On the other end, November was the most stable month, with a tight range of 0.0117 HRK (High: 0.4302 / Low: 0.4185).

March Spread (Volatile) ±0.0331

November Spread (Stable) ±0.0117

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 0.0170 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0170

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (April 2022: 0.4654) against the same month in 2021 (average: 0.4387), the exchange rate shifted by +0.0267 (+6.08%).

2022 Avg (April) 0.4654

2021 Avg (April) 0.4387

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.4402	0.4144	0.4289
February	0.4438	0.4240	0.4361
March	0.4747	0.4416	0.4597
April	0.4801	0.4480	0.4654
May	0.4592	0.4389	0.4484
June	0.4589	0.4411	0.4501
July	0.4461	0.4291	0.4386
August	0.4529	0.4368	0.4442
September	0.4399	0.4242	0.4318
October	0.4315	0.4141	0.4226
November	0.4302	0.4185	0.4229
December	0.4184	0.4027	0.4122