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 9.4pp below the system average of 16.2%.

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

GHS 25.35MBook exposure (42 assets)

6.8%at High+ (bank submission)

3.4%if declared adaptation were evidenced

GHS 43kclimate ECL / yr

Risk trajectory across reporting periods

Period	% High+	Exposure	High+ exposure
2025 H1	6.8%	GHS 25.35M	GHS 1.72M
2025 H2	6.8%	GHS 25.35M	GHS 1.72M
2026 H1	6.8%	GHS 25.35M	GHS 1.72M

Supervisor top-down re-run

AS FILED (evidence-accepted adaptation only)
6.8%

→

IF SELF-REPORTED CLAIMS WERE CREDITED
3.4%

On the supervisor's adaptation-evidence cross-check the bank is carrying −3.4pp of unverified adaptation: if its declared-but-unevidenced measures were credited, its High+ share would fall from 6.8% to 3.4%. That credit stays withheld until site/as-built evidence is accepted.

High+ exposure by region

AshantiGHS 1.05M

Greater AccraGHS 364k

WesternGHS 193k

North EastGHS 109k

High+ exposure by hazard

FloodGHS 1.42M

Riparian proximityGHS 799k

Extreme heatGHS 585k

Coastal / sea-levelGHS 193k

Drought / water stressGHS 109k

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)	3	GHS 864k	Flood
Watercourse setback + drainage / elevation	3	GHS 555k	Riparian proximity
Coastal / sea defence + elevation	1	GHS 193k	Coastal / sea-level
On-site water retention / storage	1	GHS 109k	Drought / water stress

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.