Agricultural Development Bank Plc RED

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 #3 of 23 by % High+ (highest = most exposed), and +9.9pp above the system average of 16.2%.

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

GHS 36.80MBook exposure (62 assets)

26.1%at High+ (bank submission)

17.2%if declared adaptation were evidenced

GHS 112kclimate ECL / yr

Risk trajectory across reporting periods

Period	% High+	Exposure	High+ exposure
2025 H1	26.8%	GHS 33.39M	GHS 8.94M
2025 H2	25.0%	GHS 35.73M	GHS 8.94M
2026 H1	26.1%	GHS 36.80M	GHS 9.59M

Supervisor top-down re-run

AS FILED (evidence-accepted adaptation only)
26.1%

→

IF SELF-REPORTED CLAIMS WERE CREDITED
17.2%

On the supervisor's adaptation-evidence cross-check the bank is carrying −8.9pp of unverified adaptation: if its declared-but-unevidenced measures were credited, its High+ share would fall from 26.1% to 17.2%. That credit stays withheld until site/as-built evidence is accepted.

High+ exposure by region

AshantiGHS 3.34M

Greater AccraGHS 3.31M

Upper EastGHS 1.35M

NorthernGHS 731k

WesternGHS 506k

North EastGHS 348k

High+ exposure by hazard

FloodGHS 6.66M

Extreme heatGHS 5.17M

Riparian proximityGHS 3.34M

Drought / water stressGHS 1.70M

Coastal / sea-levelGHS 506k

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).
ACTION REQUIRED (Evidence gating (Para 33(c))) Unverified adaptation pipeline: the bank has declared resilience measures that are not yet evidence-accepted. Crediting them would cut High+ from 26% to 17% (−9pp); the filed figure correctly withholds that credit. Require site/as-built evidence before it counts.

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)	7	GHS 6.66M	Flood
On-site water retention / storage	4	GHS 1.70M	Drought / water stress
Cool or green roof	1	GHS 731k	Extreme heat
Coastal / sea defence + elevation	1	GHS 506k	Coastal / sea-level

Supervisory action

Status RED. 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.