2020 PKR to BIF Historical Review

YEARLY HIGH

12.2858 BIF

YEARLY LOW

11.2863 BIF

YEARLY AVERAGE

11.8379 BIF

2020 PKR to BIF Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the PKR to BIF exchange rate experienced significant fluctuation. The market reached its absolute peak on November 16, valuing the pair at 12.2858. Conversely, the yearly low was recorded on April 12, dropping to 11.2863.

This high-to-low spread represents a total annual volatility of 0.9995 BIF. From a start-to-finish perspective, comparing the January average rate of 12.1807 to the December average rate of 12.1193, the exchange rate registered a net change of -0.50% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 12.2858 was down 6.98% compared to the 2019 peak of 13.2083, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

Comparing the value generated converting 500,000 PKR based on timing:

Yearly Peak High 6,142,902 BIF

2019 Average 6,146,563 BIF

Yearly Trough Low 5,643,136 BIF

Transaction Impact: A difference of 499,766.61 BIF purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

12.3051

11.3977

JanuMarcMayJulySeptNove

PKR to BIF 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 11.8783, compared to 11.7976 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0807 points.

H1 Avg (Jan–Jun) 11.8783

H2 Avg (Jul–Dec) 11.7976

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.8779 BIF (High: 12.2715 / Low: 11.3937). On the other end, February was the most stable month, with a tight range of 0.0651 BIF (High: 12.2553 / Low: 12.1903).

March Spread (Volatile) ±0.8779

February Spread (Stable) ±0.0651

Growth Streaks & Declines

Trends

Between August and November, 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 March and April, when the average rate fell by 0.4300 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.4300

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (November 2020: 12.1693) against the same month in 2019 (average: 12.0323), the exchange rate shifted by +0.1370 (+1.14%).

2020 Avg (November) 12.1693

2019 Avg (November) 12.0323

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	12.2434	12.0881	12.1807
February	12.2553	12.1903	12.2294
March	12.2715	11.3937	11.9516
April	11.8481	11.2863	11.5216
May	11.9710	11.6651	11.8691
June	11.6960	11.3853	11.5172
July	11.5931	11.3979	11.5070
August	11.6542	11.4073	11.4733
September	11.6664	11.5976	11.6340
October	12.0910	11.6975	11.8826
November	12.2858	12.0509	12.1693
December	12.1676	12.0894	12.1193