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 ▲ +4pp across the submitted periods.

Peer comparison: ranked #1 of 23 by % High+ (highest = most exposed), and +13.0pp above the system average of 16.2%.

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

GHS 25.61MBook exposure (46 assets)

29.2%at High+ (bank submission)

26.8%if declared adaptation were evidenced

GHS 75kclimate ECL / yr

Risk trajectory across reporting periods

Period	% High+	Exposure	High+ exposure
2025 H1	25.5%	GHS 22.39M	GHS 5.72M
2025 H2	25.2%	GHS 24.23M	GHS 6.10M
2026 H1	29.2%	GHS 25.61M	GHS 7.48M

Supervisor top-down re-run

AS FILED (evidence-accepted adaptation only)
29.2%

→

IF SELF-REPORTED CLAIMS WERE CREDITED
26.8%

On the supervisor's adaptation-evidence cross-check the bank is carrying −2.4pp of unverified adaptation: if its declared-but-unevidenced measures were credited, its High+ share would fall from 29.2% to 26.8%. That credit stays withheld until site/as-built evidence is accepted.

High+ exposure by region

Greater AccraGHS 3.12M

NorthernGHS 2.60M

WesternGHS 1.76M

High+ exposure by hazard

FloodGHS 3.95M

Extreme heatGHS 2.60M

Coastal / sea-levelGHS 1.76M

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)) 29% 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)	6	GHS 3.12M	Flood
Cool or green roof	4	GHS 2.60M	Extreme heat
Coastal / sea defence + elevation	2	GHS 1.76M	Coastal / sea-level

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.