Adaptation generally is cost-effective, but annual finance flows targeting adaptation for Africa are billions of US dollars less than the lowest adaptation cost estimates for near-term climate change . Finance has not targeted more vulnerable countries . From 2014-2018 more finance commitments were debt than grants and-excluding multilateral development banks-only 46% of commitments were disbursed . 
IPCC
Climate Change 2022: Impacts, Adaptation and Vulnerability
IPCC Report