Demo Bank Ghana (illustrative) · the lender's Scope 3 Category 15 computed from the screened loan book, with a Green Asset Ratio and transition-risk concentration — aligned to the PCAF Standard, IFRS S2, the EBA Pillar 3 ESG templates and Basel concentration guidance. A screening-grade estimate, not metered.
Where the book's financed carbon sits — the concentration a supervisor stress-tests.
Regional concentration (HHI): 0.544 · Concentrated Top region Greater Accra = 72.1% of financed emissions.
Carbon-intensive segments hold 28.9% of exposure and 32.8% of financed emissions. The top 20 names (29.8%) drive most of the footprint.
The Green Asset Ratio is a SCREENING PROXY: an asset counts as taxonomy-aligned only where an evidence-VERIFIED climate-adaptation measure is on file (a substantial-contribution signal). Self-reported-but-unverified measures are shown separately and NOT counted. Replace this proxy with the bank's use-of-proceeds / EPC / DNSH tagging to report a Pillar-3-grade GAR.
| Asset | Type | Exposure (GHS) | Attribution | Financed tCO₂e | PCAF score | Transition tier |
|---|---|---|---|---|---|---|
| GH-MORT-0105 Greater Accra · Airport Residential, Accra |
Residential | 3,620,000 | 0.65 | 28.96 | 4 | Lower transition risk |
| GH-MORT-0110 Greater Accra · Airport Residential, Accra |
Residential | 3,273,000 | 0.79 | 26.184 | 4 | Lower transition risk |
| GH-MORT-0089 Greater Accra · East Legon, Accra |
Apartment | 3,328,000 | 0.58 | 23.296 | 4 | Lower transition risk |
| GH-MORT-0106 Greater Accra · Airport Residential, Accra |
Apartment | 3,243,000 | 0.63 | 22.701 | 4 | Lower transition risk |
| GH-MORT-0118 Greater Accra · Labone, Accra |
Residential | 2,797,000 | 0.78 | 22.376 | 4 | Lower transition risk |
| GH-MORT-0108 Greater Accra · Airport Residential, Accra |
Residential | 2,641,000 | 0.71 | 21.128 | 4 | Lower transition risk |
| GH-MORT-0093 Greater Accra · East Legon, Accra |
Residential | 2,403,000 | 0.69 | 19.224 | 4 | Lower transition risk |
| GH-MORT-0075 Greater Accra · Tema New Town, Tema |
Industrial | 731,000 | 0.85 | 17.544 | 4 | Carbon-intensive (high) |
| GH-MORT-0114 Greater Accra · Roman Ridge, Accra |
Residential | 2,175,000 | 0.61 | 17.4 | 4 | Lower transition risk |
| GH-MORT-0144 Ashanti · Ahodwo, Kumasi |
Residential | 2,131,000 | 0.56 | 17.048 | 4 | Lower transition risk |
| GH-MORT-0111 Greater Accra · Roman Ridge, Accra |
Apartment | 2,385,000 | 0.78 | 16.695 | 4 | Lower transition risk |
| GH-MORT-0100 Greater Accra · Cantonments, Accra |
Apartment | 2,249,000 | 0.65 | 15.743 | 4 | Lower transition risk |
Methodology: Financed emissions follow the PCAF Standard: each asset's emissions are attributed to the bank by outstanding / asset value. Building emissions are ESTIMATED (PCAF data-quality score 4) from a building-type energy archetype and a floor area inferred from collateral value — not metered consumption; on-site generation and tenant process emissions are excluded pending primary data. Agricultural collateral uses an economic-activity factor (score 5). All archetypes, value benchmarks and emission factors are illustrative and configurable (electricity 0.40 kgCO2e/kWh).