PortfolioCheck · Ghana climate-risk screening Sign in
Ghana-specific climate-risk intelligence for financial institutions

Know which assets are exposed, what it could cost and what to do next.

Screen every property, quantify portfolio concentration and translate physical climate risk into collateral, credit and regulatory decisions—on one transparent, Ghana-focused platform.

Open regulated-institution view → Probe a location → Open Bank of Ghana oversight
No sign-up · synthetic 200-asset portfolio · no customer data uploaded · the location probe serves lenders & insurers.
Ghana-resolution screening
BoG Directive aligned
IFRS S2 supporting evidence
On-premise deployment
Transparent methodology

Choose your perspective

Regulated financial institutions

Manage the institution's own portfolio

Upload location-linked mortgage assets, review exposure and financial consequences, record remediation and prepare successive returns.

Open institutional demonstration →
Bank of Ghana supervisory oversight

Review institutions and system-wide risk

Select an institution, review its submitted results and evidence, compare common indicators and identify correlated regional exposure.

Open BoG supervisory environment →
Credit and origination teams

Screen new lending decisions

Turn property location and loan information into a transparent climate-risk signal before a new mortgage is approved.

Open origination screening →
Institution-level boundaryEach regulated institution works in its own private portfolio environment and sees only its own assets, analysis and remediation records.
Separate access
Common method
Supervisory boundaryThe Bank of Ghana oversight environment shows submitted institutions through controlled selection; no national asset map is displayed until an institution is chosen.

From climate risk to a decision

Protect collateral valueIdentify repricing pressure and stressed LTV before losses crystallise.
Find concentrationSee hazards and regions where simultaneous losses can accumulate.
Prioritise adaptationConvert vulnerable assets into an evidence-backed action pipeline.
Prepare evidenceExport board, portfolio and BoG-aligned reporting outputs.

What the demo reveals

200 assetsscreened across Ghana
GHS 53.19MHigh+ exposure identified
61 assetsflagged as drainage-fixable

How it works

1
Ingest your book
A CSV with coordinates, GhanaPostGPS digital addresses, or plain addresses (geocoded for you).
2
Screen every asset
Six hazards on Ghana-resolution data → vulnerability, collateral haircut, stressed LTV, climate ECL.
3
Act & file
Work the action queue, export the board report and the BoG return, screen new mortgages at origination.

Why it's different

Ghana ground-truth
Engines built on Ghana geography (screening-grade calibration, with an in-sample Accra-flood check and Sentinel-1 observed-flood evidence) — the real flood basins and coastline — where six-figure global tools are coarse over West Africa.
Your data stays in the bank
Run it on-premise, air-gapped if you want — the loan book never leaves your network. No black box; every assumption is shown.
Risk into revenue
It complements your IFRS 9 / PD-LGD models and surfaces a green/resilience-lending candidate pipeline (pre-eligibility) the Sustainable Banking Principles reward.

Built by Dr. Minka Aduse-Poku — PhD (University of Cologne), peer reviewer for Urban Climate and Building and Environment (Elsevier). Screening-grade triage that complements the bank's credit process — not a valuation or a substitute for its PD/LGD models.

Try your own data

Already have a prepared portfolio CSV? Open the secure one-off screening form
Each row needs a location — lat+lon, a gps GhanaPostGPS digital address (e.g. GA-183-4317), or a free-text address/region (geocoded for you). Optional asset_id, exposure, ltv, property_type. This one-off screen holds your data in memory only — nothing is saved. To save portfolios and keep a constant dashboard, sign in; for a real book, ask us about the on-premise install.
Working through the BoG directive?
We'll screen a sample of your real book for free and show what it carries today — framed as directive evidence.
Book a 30-minute demonstration

Regulator or supervisor? See the system-wide Supervisor edition → — every bank on one common method, ranked and aggregated.