GCB Bank Plc AMBER

Reporting period 2026 H1 · submission channel console (ORASS-ready) · run on the common supervisory method & parameter set. Trajectory ▲ +1pp across the submitted periods.

Peer comparison: ranked #5 of 23 by % High+ (highest = most exposed), and +8.2pp above the system average of 16.2%.

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

GHS 39.68MBook exposure (70 assets)

24.4%at High+ (bank submission)

24.4%if declared adaptation were evidenced

GHS 64kclimate ECL / yr

Risk trajectory across reporting periods

Period	% High+	Exposure	High+ exposure
2025 H1	23.4%	GHS 38.73M	GHS 9.07M
2025 H2	23.2%	GHS 39.05M	GHS 9.07M
2026 H1	24.4%	GHS 39.68M	GHS 9.69M

Supervisor top-down re-run

AS FILED (evidence-accepted adaptation only)
24.4%

→

IF SELF-REPORTED CLAIMS WERE CREDITED
24.4%

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

Upper EastGHS 3.65M

North EastGHS 2.27M

Greater AccraGHS 1.96M

NorthernGHS 973k

AshantiGHS 840k

High+ exposure by hazard

Extreme heatGHS 7.73M

Drought / water stressGHS 5.92M

FloodGHS 2.80M

Riparian proximityGHS 1.18M

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)) 24% 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	16	GHS 5.92M	Drought / water stress
Improved drainage + raised plinth (elevation)	4	GHS 2.80M	Flood
Cool or green roof	2	GHS 973k	Extreme heat

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.