2012 HNL to PKR Historical Review

YEARLY HIGH

4.9829 PKR

YEARLY LOW

4.7236 PKR

YEARLY AVERAGE

4.8326 PKR

2012 HNL to PKR Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2012

During 2012, the HNL to PKR exchange rate experienced significant fluctuation. The market reached its absolute peak on July 23, valuing the pair at 4.9829. Conversely, the yearly low was recorded on January 19, dropping to 4.7236.

This high-to-low spread represents a total annual volatility of 0.2593 PKR. From a start-to-finish perspective, comparing the January average rate of 4.7413 to the December average rate of 4.9003, the exchange rate registered a net change of 3.35% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2012 high of 4.9829 was up 4.93% compared to the 2011 peak of 4.7486, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 24,914 PKR

2011 Average 22,836 PKR

Yearly Trough Low 23,618 PKR

Transaction Impact: A difference of 1,296.42 PKR purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2012.

4.9734

4.7203

JanuMarcMayJulySeptNove

HNL 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 4.7948, compared to 4.8704 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0755 points.

H1 Avg (Jan–Jun) 4.7948

H2 Avg (Jul–Dec) 4.8704

Volatility Range Comparison

Volatility

The most volatile month in 2012 was August, with a trading range of 0.1546 PKR (High: 4.9577 / Low: 4.8031). On the other end, February was the most stable month, with a tight range of 0.0262 PKR (High: 4.7692 / Low: 4.7430).

August Spread (Volatile) ±0.1546

February Spread (Stable) ±0.0262

Growth Streaks & Declines

Trends

Between April and July, 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 July and August, when the average rate fell by 0.1047 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.1047

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (July 2012: 4.9523) against the same month in 2011 (average: 4.5565), the exchange rate shifted by +0.3958 (+8.69%).

2012 Avg (July) 4.9523

2011 Avg (July) 4.5565

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	4.7726	4.7236	4.7413
February	4.7692	4.7430	4.7599
March	4.8205	4.7558	4.7691
April	4.7736	4.7426	4.7610
May	4.9015	4.7638	4.7927
June	4.9632	4.9171	4.9450
July	4.9829	4.8840	4.9523
August	4.9577	4.8031	4.8476
September	4.8356	4.7826	4.8158
October	4.8729	4.8326	4.8517
November	4.8823	4.8468	4.8544
December	4.9379	4.8637	4.9003