2020 BIF to PKR Historical Review

YEARLY HIGH

0.0886 PKR

YEARLY LOW

0.0814 PKR

YEARLY AVERAGE

0.0845 PKR

2020 BIF to PKR Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the BIF to PKR exchange rate experienced significant fluctuation. The market reached its absolute peak on April 12, valuing the pair at 0.0886. Conversely, the yearly low was recorded on November 16, dropping to 0.0814.

This high-to-low spread represents a total annual volatility of 0.0072 PKR. From a start-to-finish perspective, comparing the January average rate of 0.0821 to the December average rate of 0.0825, the exchange rate registered a net change of 0.51% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.0886 was down 0.35% compared to the 2019 peak of 0.0889, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 443 PKR

2019 Average 408 PKR

Yearly Trough Low 407 PKR

Transaction Impact: A difference of 36.04 PKR purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.0877

0.0812

JanuMarcMayJulySeptNove

BIF to PKR 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 0.0842, compared to 0.0848 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0006 points.

H1 Avg (Jan–Jun) 0.0842

H2 Avg (Jul–Dec) 0.0848

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.0063 PKR (High: 0.0878 / Low: 0.0815). On the other end, February was the most stable month, with a tight range of 0.0004 PKR (High: 0.0820 / Low: 0.0816).

March Spread (Volatile) ±0.0063

February Spread (Stable) ±0.0004

Growth Streaks & Declines

Trends

Between May and August, 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 0.0026 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0026

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (April 2020: 0.0868) against the same month in 2019 (average: 0.0773), the exchange rate shifted by +0.0096 (+12.38%).

2020 Avg (April) 0.0868

2019 Avg (April) 0.0773

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0827	0.0817	0.0821
February	0.0820	0.0816	0.0818
March	0.0878	0.0815	0.0837
April	0.0886	0.0844	0.0868
May	0.0857	0.0835	0.0843
June	0.0878	0.0855	0.0868
July	0.0877	0.0863	0.0869
August	0.0877	0.0858	0.0872
September	0.0862	0.0857	0.0860
October	0.0855	0.0827	0.0842
November	0.0830	0.0814	0.0822
December	0.0827	0.0822	0.0825