Demo Bank Ghana (illustrative) — Residential & commercial mortgage book — synthetic demo (200 assets)
Basis. Screening-grade climate accumulation. Sum-insured is proxied by the loan/asset exposure — add a sum_insured column to the book for a true insured-value view. All amounts are converted to a GHS base.
PML here is the correlated single-event loss in the worst zone (a screening loss-severity proxy × High+ sum-insured) —
an accumulation indicator, not a cat-model return-period loss.
GHS 148.19M
Sum-insured (proxy) · 200 risks
GHS 3.62M
Aggregate AAL / yr — pure-premium proxy
GHS 11.62M
Portfolio PML — one event in Greater Accra
GHS 74.40M
Constrained-insurability exposure
Peril accumulation by zone — sum-insured at High+ risk, and single-event loss
| Zone | Risks | Sum-insured | Flood | Riparian proximity | Coastal / sea-level | Extreme heat | Drought / water stress | Single-event loss (PML) | |
|---|
| Greater Accra | 127 | GHS 107.43M | GHS 46.11M | GHS 727k | GHS 14.72M | — | GHS 8.43M | GHS 11.62M | |
| Ashanti | 28 | GHS 20.96M | GHS 14.40M | GHS 4.89M | — | GHS 8.37M | — | GHS 1.46M | |
| Western | 7 | GHS 5.47M | GHS 3.42M | — | GHS 3.42M | — | — | GHS 1.22M | |
| Volta | 8 | GHS 2.12M | — | — | GHS 2.12M | — | — | GHS 778k | |
| Northern | 10 | GHS 3.04M | — | — | — | GHS 3.04M | — | GHS 507k | |
| Central | 8 | GHS 3.54M | — | — | GHS 3.35M | — | — | GHS 223k | |
| Upper East | 3 | GHS 945k | — | — | — | GHS 945k | GHS 945k | GHS 64k | |
| Eastern | 5 | GHS 3.23M | — | — | — | — | — | GHS 0 | |
| Bono | 4 | GHS 1.46M | — | — | — | GHS 1.46M | — | GHS 0 | |
Aggregate exposure by peril (High+)
| Flood | GHS 63.93M | |
| Riparian proximity | GHS 5.62M | |
| Coastal / sea-level | GHS 23.60M | |
| Extreme heat | GHS 13.82M | |
| Drought / water stress | GHS 9.38M | |
Insurability mix
| Status | Risks | Exposure | |
|---|
| Standard | 51 | GHS 61.39M | |
| Standard-plus (risk-priced) | 29 | GHS 12.41M | |
| Constrained cover | 120 | GHS 74.40M | |