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 +8.9pp above the system average of 19.3%.

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

GHS 108.87MBook exposure (192 assets)

28.2%at High+ (bank submission)

26.7%if declared adaptation were evidenced

GHS 79kclimate ECL / yr

Risk trajectory across reporting periods

Period	% High+	Exposure	High+ exposure
2025 H1	29.1%	GHS 103.64M	GHS 30.11M
2025 H2	29.3%	GHS 104.78M	GHS 30.73M
2026 H1	28.2%	GHS 108.87M	GHS 30.73M

Supervisor top-down re-run

AS FILED (evidence-accepted adaptation only)
28.2%

→

IF SELF-REPORTED CLAIMS WERE CREDITED
26.7%

On the supervisor's adaptation-evidence cross-check the bank is carrying −1.5pp of unverified adaptation: if its declared-but-unevidenced measures were credited, its High+ share would fall from 28.2% to 26.7%. That credit stays withheld until site/as-built evidence is accepted.

High+ exposure by region

Upper EastGHS 9.77M

North EastGHS 7.01M

NorthernGHS 6.52M

Upper WestGHS 4.50M

Greater AccraGHS 1.96M

AshantiGHS 840k

OtiGHS 127k

High+ exposure by hazard

Extreme heatGHS 28.65M

Drought / water stressGHS 21.28M

FloodGHS 2.80M

Riparian proximityGHS 1.58M

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)) 28% 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	40	GHS 20.52M	Extreme heat
On-site water retention / storage	23	GHS 7.28M	Drought / water stress
Improved drainage + raised plinth (elevation)	4	GHS 2.80M	Flood
Watercourse setback + drainage / elevation	1	GHS 127k	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.