YEARLY HIGH
25.8756 PKR
YEARLY LOW
22.0289 PKR
YEARLY AVERAGE
23.6001 PKR

2021 BOB to PKR Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the BOB to PKR exchange rate experienced significant fluctuation. The market reached its absolute peak on December 28, valuing the pair at 25.8756. Conversely, the yearly low was recorded on May 12, dropping to 22.0289.

This high-to-low spread represents a total annual volatility of 3.8468 PKR. From a start-to-finish perspective, comparing the January average rate of 23.3075 to the December average rate of 25.7313, the exchange rate registered a net change of 10.40% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 25.8756 was up 5.67% compared to the 2020 peak of 24.4880, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 129,378 PKR
2020 Average 117,234 PKR
Yearly Trough Low 110,144 PKR
Transaction Impact: A difference of 19,233.91 PKR purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

26.0862
21.8279
JanuMarcMayJulySeptNove

BOB 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 22.6646, compared to 24.5357 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 1.8711 points.

H1 Avg (Jan–Jun) 22.6646
H2 Avg (Jul–Dec) 24.5357

Volatility Range Comparison

Volatility

The most volatile month in 2021 was November, with a trading range of 1.0403 PKR (High: 25.5985 / Low: 24.5582). On the other end, January was the most stable month, with a tight range of 0.1218 PKR (High: 23.3578 / Low: 23.2360).

November Spread (Volatile) ±1.0403
January Spread (Stable) ±0.1218

Growth Streaks & Declines

Trends

Between April and December, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 8 straight months. Conversely, the sharpest month-over-month decline occurred between February and March, when the average rate fell by 0.4667 points.

Longest Streak 8 Mo.
Sharpest MoM Drop -0.4667

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2021: 25.7313) against the same month in 2020 (average: 23.2499), the exchange rate shifted by +2.4814 (+10.67%).

2021 Avg (December) 25.7313
2020 Avg (December) 23.2499

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 23.3578 23.2360 23.3075
February 23.2551 22.8862 23.0710
March 22.9133 22.0945 22.6043
April 22.3797 22.0587 22.1828
May 22.4833 22.0289 22.2124
June 22.9233 22.1709 22.6097
July 23.5483 22.7868 23.1800
August 24.1724 23.5483 23.8667
September 24.7477 24.2036 24.4064
October 25.3634 24.6713 24.9050
November 25.5985 24.5582 25.1246
December 25.8756 25.3768 25.7313