Bank of Africa Ghana Limited AMBER

Reporting period 2026 H1 · submission channel console (ORASS-ready) · run on the common supervisory method & parameter set. Trajectory ▼ -7pp across the submitted periods.

Peer comparison: ranked #4 of 23 by % High+ (highest = most exposed), and +11.1pp above the system average of 19.3%.

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

GHS 26.94MBook exposure (100 assets)

30.4%at High+ (bank submission)

30.4%if declared adaptation were evidenced

GHS 22kclimate ECL / yr

Risk trajectory across reporting periods

Period	% High+	Exposure	High+ exposure
2025 H1	37.8%	GHS 26.94M	GHS 10.17M
2025 H2	34.3%	GHS 26.94M	GHS 9.24M
2026 H1	30.4%	GHS 26.94M	GHS 8.19M

Supervisor top-down re-run

AS FILED (evidence-accepted adaptation only)
30.4%

→

IF SELF-REPORTED CLAIMS WERE CREDITED
30.4%

On the supervisor's adaptation-evidence cross-check the bank is making no claim on unverified adaptation — its filed figure is already fully evidence-based.

High+ exposure by region

Upper EastGHS 3.23M

Upper WestGHS 1.83M

North EastGHS 1.23M

AshantiGHS 857k

NorthernGHS 775k

WesternGHS 265k

High+ exposure by hazard

Extreme heatGHS 7.33M

Drought / water stressGHS 6.30M

Riparian proximityGHS 1.88M

FloodGHS 519k

Coastal / sea-levelGHS 265k

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)) 30% of exposure is at High+ risk — above the illustrative watch level (20%, supervisor-set, not a Directive ceiling).
NOTED (Para 48) Improving: High+ share fell -7pp across the periods (now 30%), consistent with completed, verified resilience works.

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	26	GHS 5.74M	Extreme heat
On-site water retention / storage	8	GHS 1.33M	Drought / water stress
Watercourse setback + drainage / elevation	3	GHS 857k	Riparian proximity
Coastal / sea defence + elevation	1	GHS 265k	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.