2022 BIF to PKR Historical Review

YEARLY HIGH

0.1172 PKR

YEARLY LOW

0.0868 PKR

YEARLY AVERAGE

0.1001 PKR

2022 BIF to PKR Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2022

During 2022, the BIF to PKR exchange rate experienced significant fluctuation. The market reached its absolute peak on July 29, valuing the pair at 0.1172. Conversely, the yearly low was recorded on February 11, dropping to 0.0868.

This high-to-low spread represents a total annual volatility of 0.0304 PKR. From a start-to-finish perspective, comparing the January average rate of 0.0882 to the December average rate of 0.1090, the exchange rate registered a net change of 23.57% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2022 high of 0.1172 was up 31.15% compared to the 2021 peak of 0.0893, 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 586 PKR

2021 Average 413 PKR

Yearly Trough Low 434 PKR

Transaction Impact: A difference of 151.89 PKR purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2022.

0.1146

0.0850

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 0.0918, compared to 0.1083 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0165 points.

H1 Avg (Jan–Jun) 0.0918

H2 Avg (Jul–Dec) 0.1083

Volatility Range Comparison

Volatility

The most volatile month in 2022 was July, with a trading range of 0.0177 PKR (High: 0.1172 / Low: 0.0994). On the other end, December was the most stable month, with a tight range of 0.0015 PKR (High: 0.1099 / Low: 0.1083).

July Spread (Volatile) ±0.0177

December Spread (Stable) ±0.0015

Growth Streaks & Declines

Trends

Between February and September, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 7 straight months. Conversely, the sharpest month-over-month decline occurred between September and October, when the average rate fell by 0.0047 points.

Longest Streak 7 Mo.

Sharpest MoM Drop -0.0047

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (July 2022: 0.1060) against the same month in 2021 (average: 0.0807), the exchange rate shifted by +0.0252 (+31.26%).

2022 Avg (July) 0.1060

2021 Avg (July) 0.0807

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0893	0.0875	0.0882
February	0.0885	0.0868	0.0875
March	0.0902	0.0876	0.0889
April	0.0931	0.0890	0.0909
May	0.0996	0.0910	0.0954
June	0.1037	0.0962	0.0999
July	0.1172	0.0994	0.1060
August	0.1164	0.1039	0.1074
September	0.1171	0.1060	0.1122
October	0.1114	0.1054	0.1074
November	0.1087	0.1070	0.1080
December	0.1099	0.1083	0.1090