Absa Bank Ghana LTD RED

Reporting period 2026 H1 · submission channel console (ORASS-ready) · run on the common supervisory method & parameter set. Trajectory — flat across the submitted periods.

Peer comparison: ranked #17 of 23 by % High+ (highest = most exposed), and 4.2pp below the system average of 19.3%.

Regulator-scoped view. Only Absa Bank Ghana LTD's synthetic assets are loaded below. Open institution-side dashboard →

GHS 120.85MBook exposure (160 assets)

15.1%at High+ (bank submission)

4.6%if declared adaptation were evidenced

GHS 129kclimate ECL / yr

Risk trajectory across reporting periods

Period	% High+	Exposure	High+ exposure
2025 H1	15.1%	GHS 120.85M	GHS 18.21M
2025 H2	15.1%	GHS 120.85M	GHS 18.21M
2026 H1	15.1%	GHS 120.85M	GHS 18.21M

Supervisor top-down re-run

AS FILED (evidence-accepted adaptation only)
15.1%

→

IF SELF-REPORTED CLAIMS WERE CREDITED
4.6%

On the supervisor's adaptation-evidence cross-check the bank is carrying −10.5pp of unverified adaptation: if its declared-but-unevidenced measures were credited, its High+ share would fall from 15.1% to 4.6%. That credit stays withheld until site/as-built evidence is accepted.

High+ exposure by region

AshantiGHS 7.12M

Greater AccraGHS 2.52M

NorthernGHS 1.97M

WesternGHS 1.95M

Upper EastGHS 1.76M

CentralGHS 1.28M

North EastGHS 1.04M

Upper WestGHS 565k

High+ exposure by hazard

FloodGHS 11.59M

Extreme heatGHS 9.94M

Riparian proximityGHS 7.12M

Drought / water stressGHS 3.37M

Coastal / sea-levelGHS 3.23M

Selected institution — property distribution

The sector dashboard intentionally plots no properties. This map is created only after the regulator selects an institution and contains no other institution's assets.

Supervisory findings

ACTION REQUIRED (Evidence gating (Para 33(c))) Unverified adaptation pipeline: the bank has declared resilience measures that are not yet evidence-accepted. Crediting them would cut High+ from 15% to 5% (−10pp); the filed figure correctly withholds that credit. Require site/as-built evidence before it counts.

Recommended adaptation measures

Specific measures for this bank's High+ assets, by the hazard driving each. These are attached to any directive issued.

Measure	Assets	Exposure	Hazard driver
Improved drainage + raised plinth (elevation)	11	GHS 7.33M	Flood
Cool or green roof	9	GHS 4.30M	Extreme heat
Coastal / sea defence + elevation	5	GHS 3.23M	Coastal / sea-level
Watercourse setback + drainage / elevation	3	GHS 2.31M	Riparian proximity
On-site water retention / storage	3	GHS 1.04M	Drought / water stress

Supervisory action

Status RED. Prepare a draft directive — a Directive-cited draft is recorded and delivered to the institution's supervisory inbox for review and formal issue.

Download feedback note ↓ Proposed return document (Word) ↓ Physical-risk return data (CSV) ↓

Illustrative — synthetic data. The public institution name is used only to demonstrate navigation. No property, exposure, result or trajectory shown is information about the named institution. Submitted via the demonstration channel; built to route through BoG's ORASS. Institution-owned working document.