2020 PKR to CDF Historical Review

YEARLY HIGH

12.4439 CDF

YEARLY LOW

9.2889 CDF

YEARLY AVERAGE

11.4298 CDF

2020 PKR to CDF Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the PKR to CDF exchange rate experienced significant fluctuation. The market reached its absolute peak on November 16, valuing the pair at 12.4439. Conversely, the yearly low was recorded on December 6, dropping to 9.2889.

This high-to-low spread represents a total annual volatility of 3.1549 CDF. From a start-to-finish perspective, comparing the January average rate of 10.9001 to the December average rate of 12.1956, the exchange rate registered a net change of 11.88% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 12.4439 was up 4.86% compared to the 2019 peak of 11.8675, 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 6,221,941 CDF

2019 Average 5,516,390 CDF

Yearly Trough Low 4,644,469 CDF

Transaction Impact: A difference of 1,577,471.86 CDF purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

12.5298

10.2516

JanuMarcMayJulySeptNove

PKR to CDF 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 10.9175, compared to 11.9420 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 1.0245 points.

H1 Avg (Jan–Jun) 10.9175

H2 Avg (Jul–Dec) 11.9420

Volatility Range Comparison

Volatility

The most volatile month in 2020 was December, with a trading range of 3.0466 CDF (High: 12.3355 / Low: 9.2889). On the other end, January was the most stable month, with a tight range of 0.0837 CDF (High: 10.9352 / Low: 10.8516).

December Spread (Volatile) ±3.0466

January Spread (Stable) ±0.0837

Growth Streaks & Declines

Trends

Between April and November, 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 March and April, when the average rate fell by 0.3284 points.

Longest Streak 7 Mo.

Sharpest MoM Drop -0.3284

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (November 2020: 12.3399) against the same month in 2019 (average: 10.6919), the exchange rate shifted by +1.6480 (+15.41%).

2020 Avg (November) 12.3399

2019 Avg (November) 10.6919

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	10.9352	10.8516	10.9001
February	10.9943	10.9017	10.9498
March	11.0224	10.2945	10.7698
April	10.7931	10.2079	10.4414
May	11.3339	10.8308	11.1390
June	11.5311	11.0400	11.3049
July	11.8074	11.4038	11.6364
August	11.8505	11.5813	11.6808
September	11.8925	11.7805	11.8229
October	12.2468	11.0627	11.9765
November	12.4439	12.2197	12.3399
December	12.3355	9.2889	12.1956