2020 HTG to PKR Historical Review

YEARLY HIGH

2.6034 PKR

YEARLY LOW

1.4653 PKR

YEARLY AVERAGE

1.7905 PKR

2020 HTG to PKR Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HTG to PKR exchange rate experienced significant fluctuation. The market reached its absolute peak on October 20, valuing the pair at 2.6034. Conversely, the yearly low was recorded on September 6, dropping to 1.4653.

This high-to-low spread represents a total annual volatility of 1.1381 PKR. From a start-to-finish perspective, comparing the January average rate of 1.5755 to the December average rate of 2.2939, the exchange rate registered a net change of 45.59% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 2.6034 was up 43.89% compared to the 2019 peak of 1.8093, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 13,017 PKR

2019 Average 8,330 PKR

Yearly Trough Low 7,326 PKR

Transaction Impact: A difference of 5,690.38 PKR purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

2.6727

1.3953

JanuMarcMayJulySeptNove

HTG 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 1.5979, compared to 1.9832 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.3853 points.

H1 Avg (Jan–Jun) 1.5979

H2 Avg (Jul–Dec) 1.9832

Volatility Range Comparison

Volatility

The most volatile month in 2020 was December, with a trading range of 0.2367 PKR (High: 2.4423 / Low: 2.2055). On the other end, July was the most stable month, with a tight range of 0.0383 PKR (High: 1.5347 / Low: 1.4964).

December Spread (Volatile) ±0.2367

July Spread (Stable) ±0.0383

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 0.1996 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.1996

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (October 2020: 2.5663) against the same month in 2019 (average: 1.6264), the exchange rate shifted by +0.9398 (+57.78%).

2020 Avg (October) 2.5663

2019 Avg (October) 1.6264

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	1.6296	1.5544	1.5755
February	1.7462	1.5284	1.5830
March	1.7464	1.6389	1.6804
April	1.7709	1.6417	1.7080
May	1.5328	1.4691	1.5084
June	1.5501	1.5033	1.5322
July	1.5347	1.4964	1.5172
August	1.5233	1.4762	1.5018
September	1.5741	1.4653	1.5372
October	2.6034	2.4528	2.5663
November	2.5392	2.4095	2.4828
December	2.4423	2.2055	2.2939