Agricultural Development Bank 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 #10 of 23 by % High+ (highest = most exposed), and +2.1pp above the system average of 19.3%.

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

GHS 103.99MBook exposure (165 assets)

21.4%at High+ (bank submission)

17.4%if declared adaptation were evidenced

GHS 205kclimate ECL / yr

Risk trajectory across reporting periods

Period	% High+	Exposure	High+ exposure
2025 H1	21.4%	GHS 95.91M	GHS 20.50M
2025 H2	22.1%	GHS 100.37M	GHS 22.21M
2026 H1	21.4%	GHS 103.99M	GHS 22.21M

Supervisor top-down re-run

AS FILED (evidence-accepted adaptation only)
21.4%

→

IF SELF-REPORTED CLAIMS WERE CREDITED
17.4%

On the supervisor's adaptation-evidence cross-check the bank is carrying −4.0pp of unverified adaptation: if its declared-but-unevidenced measures were credited, its High+ share would fall from 21.4% to 17.4%. That credit stays withheld until site/as-built evidence is accepted.

High+ exposure by region

AshantiGHS 7.51M

Greater AccraGHS 5.24M

NorthernGHS 2.85M

WesternGHS 2.36M

Upper EastGHS 1.77M

North EastGHS 1.28M

Upper WestGHS 991k

CentralGHS 210k

High+ exposure by hazard

FloodGHS 14.60M

Extreme heatGHS 12.08M

Riparian proximityGHS 7.07M

Drought / water stressGHS 4.04M

Coastal / sea-levelGHS 2.57M

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)) 21% 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
Improved drainage + raised plinth (elevation)	11	GHS 10.31M	Flood
Cool or green roof	13	GHS 5.19M	Extreme heat
Coastal / sea defence + elevation	5	GHS 2.57M	Coastal / sea-level
Watercourse setback + drainage / elevation	4	GHS 2.44M	Riparian proximity
On-site water retention / storage	6	GHS 1.70M	Drought / water stress

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.