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 #9 of 23 by % High+ (highest = most exposed), and +2.6pp above the system average of 19.3%.

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

GHS 56.90MBook exposure (120 assets)

21.9%at High+ (bank submission)

21.9%if declared adaptation were evidenced

GHS 53kclimate ECL / yr

Risk trajectory across reporting periods

Period	% High+	Exposure	High+ exposure
2025 H1	21.9%	GHS 56.90M	GHS 12.49M
2025 H2	21.9%	GHS 56.90M	GHS 12.49M
2026 H1	21.9%	GHS 56.90M	GHS 12.49M

Supervisor top-down re-run

AS FILED (evidence-accepted adaptation only)
21.9%

→

IF SELF-REPORTED CLAIMS WERE CREDITED
21.9%

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

North EastGHS 2.81M

Greater AccraGHS 2.69M

NorthernGHS 2.38M

AshantiGHS 1.67M

Upper WestGHS 1.61M

Upper EastGHS 1.32M

High+ exposure by hazard

Extreme heatGHS 9.80M

Drought / water stressGHS 5.74M

FloodGHS 4.36M

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)) 22% 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
Cool or green roof	15	GHS 5.02M	Extreme heat
Improved drainage + raised plinth (elevation)	8	GHS 4.00M	Flood
On-site water retention / storage	12	GHS 3.10M	Drought / water stress
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.