CalBank PLC GREEN

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 #19 of 23 by % High+ (highest = most exposed), and 8.7pp below the system average of 19.3%.

Regulator-scoped view. Only CalBank PLC's synthetic assets are loaded below. Open institution-side dashboard →

GHS 73.75MBook exposure (115 assets)

10.6%at High+ (bank submission)

9.4%if declared adaptation were evidenced

GHS 62kclimate ECL / yr

Risk trajectory across reporting periods

Period	% High+	Exposure	High+ exposure
2025 H1	10.6%	GHS 73.75M	GHS 7.79M
2025 H2	10.6%	GHS 73.75M	GHS 7.79M
2026 H1	10.6%	GHS 73.75M	GHS 7.79M

Supervisor top-down re-run

AS FILED (evidence-accepted adaptation only)
10.6%

→

IF SELF-REPORTED CLAIMS WERE CREDITED
9.4%

On the supervisor's adaptation-evidence cross-check the bank is carrying −1.2pp of unverified adaptation: if its declared-but-unevidenced measures were credited, its High+ share would fall from 10.6% to 9.4%. That credit stays withheld until site/as-built evidence is accepted.

High+ exposure by region

Greater AccraGHS 2.21M

North EastGHS 2.05M

AshantiGHS 1.87M

WesternGHS 880k

Upper EastGHS 400k

Upper WestGHS 213k

CentralGHS 164k

High+ exposure by hazard

FloodGHS 4.08M

Extreme heatGHS 3.14M

Drought / water stressGHS 2.66M

Riparian proximityGHS 1.61M

Coastal / sea-levelGHS 1.04M

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

NOTED (—) No material supervisory concern this period; maintain monitoring.

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 3.25M	Flood
On-site water retention / storage	7	GHS 2.05M	Drought / water stress
Coastal / sea defence + elevation	3	GHS 1.04M	Coastal / sea-level
Watercourse setback + drainage / elevation	4	GHS 832k	Riparian proximity
Cool or green roof	2	GHS 613k	Extreme heat

Supervisory action

Status GREEN. 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.