First Atlantic Bank Limited GREEN

Reporting period 2026 H1 · submission channel console (ORASS-ready) · run on the common supervisory method & parameter set. Trajectory ▼ -3pp across the submitted periods.

Peer comparison: ranked #14 of 23 by % High+ (highest = most exposed), and in line with the system average of 19.3%.

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

GHS 44.05MBook exposure (107 assets)

19.5%at High+ (bank submission)

15.6%if declared adaptation were evidenced

GHS 61kclimate ECL / yr

Risk trajectory across reporting periods

Period	% High+	Exposure	High+ exposure
2025 H1	22.5%	GHS 38.19M	GHS 8.60M
2025 H2	21.3%	GHS 40.35M	GHS 8.60M
2026 H1	19.5%	GHS 44.05M	GHS 8.60M

Supervisor top-down re-run

AS FILED (evidence-accepted adaptation only)
19.5%

→

IF SELF-REPORTED CLAIMS WERE CREDITED
15.6%

On the supervisor's adaptation-evidence cross-check the bank is carrying −3.9pp of unverified adaptation: if its declared-but-unevidenced measures were credited, its High+ share would fall from 19.5% to 15.6%. That credit stays withheld until site/as-built evidence is accepted.

High+ exposure by region

AshantiGHS 3.78M

Greater AccraGHS 2.09M

Upper WestGHS 853k

WesternGHS 539k

North EastGHS 531k

NorthernGHS 328k

Upper EastGHS 266k

OtiGHS 217k

High+ exposure by hazard

FloodGHS 5.87M

Extreme heatGHS 5.44M

Riparian proximityGHS 2.69M

Drought / water stressGHS 1.65M

Coastal / sea-levelGHS 539k

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)	13	GHS 4.19M	Flood
Watercourse setback + drainage / elevation	5	GHS 1.89M	Riparian proximity
Cool or green roof	8	GHS 1.45M	Extreme heat
Coastal / sea defence + elevation	2	GHS 539k	Coastal / sea-level
On-site water retention / storage	3	GHS 531k	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.