PortfolioCheck · Ghana climate-risk screeningSign 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.
No sign-up · synthetic 200-asset portfolio · no customer data uploaded · the location probe serves lenders & insurers.
Live system, not a mock-up — inspect the running backend: /health · /diag. The demo recomputes in your browser for speed; sign in to upload a book and it is screened and stored on the server.
See the whole bookLocate concentrations across Ghana
Quantify the pressureConnect hazards to collateral and credit
Prioritise actionMove from risk flags to adaptation
Ghana-resolution screening
BoG Directive aligned
IFRS S2 supporting evidence
On-premise deployment
Transparent methodology
Understand the value in seconds
One location, explainable evidence
Open any collateral asset and see why it is exposed
Move beyond regional averages. Inspect the location, hazard drivers, data confidence, scenario outlook and implications for the lending decision.
Track remediation, supporting evidence and the resulting score
The institution records completed measures and submits evidence. The supervisor can accept, reject or request more information before any score benefit is recognised.
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
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.
