diff --git a/app/admin/bank_assessment_indicators.rb b/app/admin/bank_assessment_indicators.rb
index ab2e48b99..484fd74ce 100644
--- a/app/admin/bank_assessment_indicators.rb
+++ b/app/admin/bank_assessment_indicators.rb
@@ -12,7 +12,7 @@
 
   data_export_sidebar 'BankAssessmentIndicators', display_name: 'Indicators'
 
-  permit_params :number, :indicator_type, :text, :comment, :disable_bubbles_at_chart
+  permit_params :number, :indicator_type, :text, :comment, :is_placeholder
 
   show do
     attributes_table do
@@ -21,7 +21,7 @@
       row :indicator_type
       row :text
       row :comment
-      row :disable_bubbles_at_chart
+      row :is_placeholder
       row :created_at
       row :updated_at
     end
@@ -37,7 +37,7 @@
       f.input :number
       f.input :text
       f.input :comment
-      f.input :disable_bubbles_at_chart
+      f.input :is_placeholder
     end
 
     f.actions
diff --git a/app/javascript/components/tpi/charts/average-bank-score/Chart.js b/app/javascript/components/tpi/charts/average-bank-score/Chart.js
index dca43e0ba..b874e933b 100644
--- a/app/javascript/components/tpi/charts/average-bank-score/Chart.js
+++ b/app/javascript/components/tpi/charts/average-bank-score/Chart.js
@@ -10,10 +10,10 @@ import { getOptions } from './options';
 import { useChartData } from '../hooks';
 import { useDeviceInfo } from 'components/Responsive';
 
-function AverageBankScore({ dataUrl }) {
+function AverageBankScore({ dataUrl, disabled_areas }) {
   const { data, error, loading } = useChartData(dataUrl);
   const { isMobile } = useDeviceInfo();
-  const options = getOptions(data, isMobile);
+  const options = getOptions(data, isMobile, disabled_areas);
   const noData = !loading && data && data.length === 0;
 
   return (
@@ -38,8 +38,13 @@ function AverageBankScore({ dataUrl }) {
   );
 }
 
+AverageBankScore.defaultProps = {
+  disabled_areas: []
+};
+
 AverageBankScore.propTypes = {
-  dataUrl: PropTypes.string.isRequired
+  dataUrl: PropTypes.string.isRequired,
+  disabled_areas: PropTypes.arrayOf(PropTypes.string)
 };
 
 export default AverageBankScore;
diff --git a/app/javascript/components/tpi/charts/average-bank-score/options.js b/app/javascript/components/tpi/charts/average-bank-score/options.js
index 0a65462f9..91309ac2e 100644
--- a/app/javascript/components/tpi/charts/average-bank-score/options.js
+++ b/app/javascript/components/tpi/charts/average-bank-score/options.js
@@ -2,7 +2,7 @@ import merge from 'lodash/merge';
 
 import defaultOptions from '../default-options';
 
-export function getOptions(data, isMobile) {
+export function getOptions(data, isMobile, disabled_areas) {
   return merge({}, defaultOptions, {
     chart: {
       type: 'bar'
@@ -61,7 +61,7 @@ export function getOptions(data, isMobile) {
         dataLabels: {
           enabled: true,
           formatter() {
-            return `${Number(this.y).toFixed(1)}%`;
+            return (disabled_areas.includes(this.x)) ? 'N/A' : `${Number(this.y).toFixed(1)}%`;
           }
         },
         states: {
diff --git a/app/services/csv_export/user/bank_assessments.rb b/app/services/csv_export/user/bank_assessments.rb
index 1fbe5f1a8..55f51d09e 100644
--- a/app/services/csv_export/user/bank_assessments.rb
+++ b/app/services/csv_export/user/bank_assessments.rb
@@ -32,6 +32,8 @@ def call
               assessment.bank.sedol&.tr(',', ';')&.tr(' ', ''),
               assessment.assessment_date,
               results_columns.map do |column|
+                next 'N/A' if column.is_placeholder
+
                 all_results[[assessment.id, column.type, column.number]]&.first&.decorate&.value
               end,
               assessment.bank.latest_information&.squish
@@ -54,12 +56,13 @@ def all_results
 
       def results_columns
         @results_columns ||= begin
-          indicators = indicator_areas.map { |area| [area, child_indicators[area.number]] }.flatten
+          indicators = indicator_areas.values.flatten.map { |area| [area, child_indicators[area.number]] }.flatten
           indicators.map do |indicator|
             OpenStruct.new(
               type: indicator.indicator_type,
               number: indicator.number,
-              column_name: "#{indicator.indicator_type.humanize} #{indicator.number}"
+              column_name: "#{indicator.indicator_type.humanize} #{indicator.number}",
+              is_placeholder: indicator_areas[indicator.number.split('.').first]&.first&.is_placeholder
             )
           end
         end
@@ -69,6 +72,7 @@ def indicator_areas
         @indicator_areas ||= BankAssessmentIndicator
           .where(indicator_type: 'area')
           .order('length(number), number')
+          .group_by(&:number)
       end
 
       def child_indicators
diff --git a/app/views/tpi/banks/_assessment.html.erb b/app/views/tpi/banks/_assessment.html.erb
index 3478d49dd..bd7facbfd 100644
--- a/app/views/tpi/banks/_assessment.html.erb
+++ b/app/views/tpi/banks/_assessment.html.erb
@@ -53,7 +53,11 @@
         </div>
         <% if area.percentage < 5 %>
           <div class="bank-assessment__area-value-value">
-            <%= number_with_precision(area.percentage, precision: 1, strip_insignificant_zeros: true) %>%
+            <% if area.indicator.is_placeholder %>
+              N/A
+            <% else %>
+              <%= number_with_precision(area.percentage, precision: 1, strip_insignificant_zeros: true) %>%
+            <% end %>
           </div>
         <% end %>
       </div>
@@ -83,12 +87,12 @@
             </div>
 
             <div class="bank-assessment__sub-area-content">
-              <%= render "indicators", assessment: assessment, indicators: assessment.child_indicators(sub_area, "indicator") %>
+              <%= render "indicators", assessment: assessment, area: area, indicators: assessment.child_indicators(sub_area, "indicator") %>
             </div>
           </div>
         <% end %>
       <% else %>
-        <%= render "indicators", assessment: assessment, indicators: assessment.child_indicators(area, "indicator") %>
+        <%= render "indicators", assessment: assessment, area: area, indicators: assessment.child_indicators(area, "indicator") %>
       <% end %>
     </div>
   </div>
diff --git a/app/views/tpi/banks/_index_charts.html.erb b/app/views/tpi/banks/_index_charts.html.erb
index 01e159c6a..0c012d4a6 100644
--- a/app/views/tpi/banks/_index_charts.html.erb
+++ b/app/views/tpi/banks/_index_charts.html.erb
@@ -1,9 +1,12 @@
-<%= react_component('charts/average-bank-score', { dataUrl: average_bank_score_chart_data_tpi_banks_path }) %>
+<%= react_component('charts/average-bank-score', {
+  dataUrl: average_bank_score_chart_data_tpi_banks_path,
+  disabled_areas: BankAssessmentIndicator.area.where(is_placeholder: true).map { |area| "#{area.number}. #{area.text}" }
+}) %>
 <%= react_component('charts/bank-bubble/Chart', {
   results: @results,
-  disabled_bubbles_areas: BankAssessmentIndicator.area.where(disable_bubbles_at_chart: true).pluck(:text)
+  disabled_bubbles_areas: BankAssessmentIndicator.area.where(is_placeholder: true).pluck(:text)
 }) %>
 <%= react_component('charts/bank-bubble/CompaniesAccordion', {
   results: @results,
-  disabled_bubbles_areas: BankAssessmentIndicator.area.where(disable_bubbles_at_chart: true).pluck(:text)
+  disabled_bubbles_areas: BankAssessmentIndicator.area.where(is_placeholder: true).pluck(:text)
 }) %>
diff --git a/app/views/tpi/banks/_indicators.html.erb b/app/views/tpi/banks/_indicators.html.erb
index 4501145b3..f5c3899b8 100644
--- a/app/views/tpi/banks/_indicators.html.erb
+++ b/app/views/tpi/banks/_indicators.html.erb
@@ -6,7 +6,11 @@
       </h4>
       <div class="bank-assessment__indicator-value">
         <div>
-          <%= number_with_precision(indicator.percentage, precision: 1, strip_insignificant_zeros: true) %>%
+          <% if area.indicator.is_placeholder %>
+            N/A
+          <% else %>
+            <%= number_with_precision(indicator.percentage, precision: 1, strip_insignificant_zeros: true) %>%
+          <% end %>
         </div>
       </div>
     </div>
diff --git a/db/migrate/20230927112905_rename_disable_bubbles_at_chart_to_is_placeholder.rb b/db/migrate/20230927112905_rename_disable_bubbles_at_chart_to_is_placeholder.rb
new file mode 100644
index 000000000..e68890a43
--- /dev/null
+++ b/db/migrate/20230927112905_rename_disable_bubbles_at_chart_to_is_placeholder.rb
@@ -0,0 +1,5 @@
+class RenameDisableBubblesAtChartToIsPlaceholder < ActiveRecord::Migration[6.1]
+  def change
+    rename_column :bank_assessment_indicators, :disable_bubbles_at_chart, :is_placeholder
+  end
+end
diff --git a/db/structure.sql b/db/structure.sql
index 842b46f40..7ab6ee9dc 100644
--- a/db/structure.sql
+++ b/db/structure.sql
@@ -322,7 +322,7 @@ CREATE TABLE public.bank_assessment_indicators (
     created_at timestamp(6) without time zone NOT NULL,
     updated_at timestamp(6) without time zone NOT NULL,
     comment text,
-    disable_bubbles_at_chart boolean DEFAULT false
+    is_placeholder boolean DEFAULT false
 );
 
 
@@ -3734,6 +3734,7 @@ INSERT INTO "schema_migrations" (version) VALUES
 ('20230622093001'),
 ('20230712074753'),
 ('20230713121501'),
-('20230926075145');
+('20230926075145'),
+('20230927112905');
 
 
diff --git a/db/test-dump.psql b/db/test-dump.psql
index 2f95720a4..eb6ba7d62 100644
Binary files a/db/test-dump.psql and b/db/test-dump.psql differ