Access Bank (Ghana) Plc AMBER

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 #4 of 23 by % High+ (highest = most exposed), and +9.3pp above the system average of 16.2%.

Regulator-scoped view. Only Access Bank (Ghana) Plc's synthetic assets are loaded below. Open institution-side dashboard →

GHS 16.84MBook exposure (44 assets)

25.5%at High+ (bank submission)

25.5%if declared adaptation were evidenced

GHS 39kclimate ECL / yr

Risk trajectory across reporting periods

Period	% High+	Exposure	High+ exposure
2025 H1	25.5%	GHS 16.84M	GHS 4.29M
2025 H2	25.5%	GHS 16.84M	GHS 4.29M
2026 H1	25.5%	GHS 16.84M	GHS 4.29M

Supervisor top-down re-run

AS FILED (evidence-accepted adaptation only)
25.5%

→

IF SELF-REPORTED CLAIMS WERE CREDITED
25.5%

On the supervisor's adaptation-evidence cross-check the bank is making no claim on unverified adaptation — its filed figure is already fully evidence-based.

High+ exposure by region

Greater AccraGHS 1.22M

North EastGHS 939k

NorthernGHS 909k

Upper EastGHS 853k

AshantiGHS 362k

High+ exposure by hazard

Extreme heatGHS 3.06M

Drought / water stressGHS 1.79M

FloodGHS 1.59M

Riparian proximityGHS 362k

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

FOR ATTENTION (Para 48(l)) 26% of exposure is at High+ risk — above the illustrative watch level (20%, supervisor-set, not a Directive ceiling).

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
On-site water retention / storage	7	GHS 1.79M	Drought / water stress
Improved drainage + raised plinth (elevation)	3	GHS 1.22M	Flood
Cool or green roof	2	GHS 909k	Extreme heat
Watercourse setback + drainage / elevation	1	GHS 362k	Riparian proximity

Supervisory action

Status AMBER. 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.