YEARLY HIGH
9.7799 PKR
YEARLY LOW
7.0823 PKR
YEARLY AVERAGE
8.3074 PKR

2022 HNL to PKR Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2022

During 2022, the HNL to PKR exchange rate experienced significant fluctuation. The market reached its absolute peak on September 21, valuing the pair at 9.7799. Conversely, the yearly low was recorded on February 8, dropping to 7.0823.

This high-to-low spread represents a total annual volatility of 2.6977 PKR. From a start-to-finish perspective, comparing the January average rate of 7.2009 to the December average rate of 9.1204, the exchange rate registered a net change of 26.66% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2022 high of 9.7799 was up 33.00% compared to the 2021 peak of 7.3534, 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 48,900 PKR
2021 Average 33,797 PKR
Yearly Trough Low 35,411 PKR
Transaction Impact: A difference of 13,488.43 PKR purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2022.

9.5740
6.9222
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 7.5822, compared to 9.0326 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 1.4504 points.

H1 Avg (Jan–Jun) 7.5822
H2 Avg (Jul–Dec) 9.0326

Volatility Range Comparison

Volatility

The most volatile month in 2022 was July, with a trading range of 1.4136 PKR (High: 9.7378 / Low: 8.3242). On the other end, February was the most stable month, with a tight range of 0.1459 PKR (High: 7.2281 / Low: 7.0823).

July Spread (Volatile) ±1.4136
February Spread (Stable) ±0.1459

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 0.4228 points.

Longest Streak 7 Mo.
Sharpest MoM Drop -0.4228

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (September 2022: 9.3531) against the same month in 2021 (average: 6.9908), the exchange rate shifted by +2.3623 (+33.79%).

2022 Avg (September) 9.3531
2021 Avg (September) 6.9908

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 7.3053 7.1582 7.2009
February 7.2281 7.0823 7.1432
March 7.4786 7.2189 7.3465
April 7.6641 7.4009 7.5451
May 8.2806 7.5726 7.9238
June 8.6423 8.0442 8.3339
July 9.7378 8.3242 8.8675
August 9.7287 8.5030 8.9475
September 9.7799 8.8747 9.3531
October 9.2255 8.7709 8.9303
November 9.0841 8.9019 8.9770
December 9.1844 9.0293 9.1204