United Bank for Africa (Ghana) Limited 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 #12 of 23 by % High+ (highest = most exposed), and +0.8pp above the system average of 19.3%.

Regulator-scoped view. Only United Bank for Africa (Ghana) Limited's synthetic assets are loaded below. Open institution-side dashboard →

GHS 74.08MBook exposure (124 assets)

20.1%at High+ (bank submission)

18.1%if declared adaptation were evidenced

GHS 139kclimate ECL / yr

Risk trajectory across reporting periods

Period	% High+	Exposure	High+ exposure
2025 H1	19.2%	GHS 68.34M	GHS 13.12M
2025 H2	20.8%	GHS 71.55M	GHS 14.89M
2026 H1	20.1%	GHS 74.08M	GHS 14.89M

Supervisor top-down re-run

AS FILED (evidence-accepted adaptation only)
20.1%

→

IF SELF-REPORTED CLAIMS WERE CREDITED
18.1%

On the supervisor's adaptation-evidence cross-check the bank is carrying −2.0pp of unverified adaptation: if its declared-but-unevidenced measures were credited, its High+ share would fall from 20.1% to 18.1%. That credit stays withheld until site/as-built evidence is accepted.

High+ exposure by region

NorthernGHS 5.12M

Greater AccraGHS 3.72M

WesternGHS 2.96M

AshantiGHS 2.07M

CentralGHS 352k

North EastGHS 348k

Upper EastGHS 170k

Upper WestGHS 158k

High+ exposure by hazard

FloodGHS 7.82M

Extreme heatGHS 6.98M

Coastal / sea-levelGHS 3.31M

Riparian proximityGHS 2.07M

Drought / water stressGHS 676k

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)) 20% 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	10	GHS 5.45M	Extreme heat
Improved drainage + raised plinth (elevation)	10	GHS 4.59M	Flood
Coastal / sea defence + elevation	4	GHS 3.31M	Coastal / sea-level
Watercourse setback + drainage / elevation	4	GHS 1.19M	Riparian proximity
On-site water retention / storage	3	GHS 348k	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.