Banking-sector climate risk — supervisory oversight

Adaptation evidence review → Open institution portal →

Every bank screens its property book on the same engine, parameter set and scenario pathway and submits the standardised return; the supervisor sees the system-wide picture no single bank can — a peer league table on one yardstick, each bank's trajectory across reporting periods, a RAG status, the supervisor's top-down re-run that challenges self-reported adaptation, and the correlated single-event concentration. Click any bank to drill in and issue supervisory feedback. This is the comparability the Bank of Ghana Climate-Related Financial Risk Directive needs but leaves to each bank's method.

Run basis: parameter set BoG baseline v1 (2026-06) · scenario SSP2-4.5 — Middle of the road · submission channel console (ORASS-ready) · as-of 2026-08-11. All submissions run the identical method, so the numbers are directly comparable.

Directive perimeter: 67 directly identifiable operating RFIs

23 Banks26 Savings & Loans14 Finance Houses2 Leasing Companies1 Mortgage Finance1 Development Finance Institutions

Plus registered financial holding companies. Counts use current BoG registers and should be refreshed at each reporting date.

Institution property view

No institution-level property points or asset details are displayed at sector level. Select a bank with a received return to open its scoped view.

GHS 613.18MSystem exposure (1082 assets, 23 banks)

16.2%of exposure at High+ risk

5 / 23banks at RED supervisory status

GHS 9.37Mlargest correlated single-event (Greater Accra) · illustrative*

* Illustrative — the single-event tail's regional event probabilities are screening assumptions, not empirically calibrated to Ghanaian event frequencies.

Sector climate-risk trajectory — % of exposure at High+

Across the banking sector, the share of exposure at High+ risk is easing ▼ -1.1pp over the submitted (as-reported) periods. This is the historical trend; the forward IPCC/NGFS scenarios (which rise) are shown per-bank in the drill-down. The aggregate can ease while individual banks are RED and worsening — which is why per-bank drill-down matters.

Supervisory status

5 red6 amber12 green
Banks by RAG status (RED = a supervisory action is required this period).

Bank league table — one method · RAG · trajectory · top-down cross-check

#	Status	Bank	Assets	Exposure	% High+	Trajectory	Top-down gap	Climate ECL/yr	PCAF
1	AMBER	United Bank for Africa (Ghana) Limited →	46	GHS 25.61M	29.2%	▲ +4pp	−2pp unverified	GHS 75k	4.0
2	RED	Universal Merchant Bank Ghana LTD →	38	GHS 18.07M	27.3%	— flat	−15pp unverified	GHS 33k	4.0
3	RED	Agricultural Development Bank Plc →	62	GHS 36.80M	26.1%	▼ -1pp	−9pp unverified	GHS 112k	4.0
4	AMBER	Access Bank (Ghana) Plc →	44	GHS 16.84M	25.5%	— flat	—	GHS 39k	4.0
5	AMBER	GCB Bank Plc →	70	GHS 39.68M	24.4%	▲ +1pp	—	GHS 64k	4.0
6	AMBER	Societe General Ghana Plc →	44	GHS 21.79M	24.3%	▲ +3pp	−1pp unverified	GHS 62k	4.0
7	AMBER	Standard Chartered Bank Ghana Plc →	56	GHS 31.24M	22.8%	— flat	−4pp unverified	GHS 75k	4.0
8	AMBER	Consolidated Bank Ghana Limited →	58	GHS 36.66M	22.7%	▼ -1pp	−2pp unverified	GHS 86k	4.0
9	GREEN	Prudential Bank Limited →	30	GHS 9.42M	19.1%	▼ -10pp	—	GHS 20k	4.0
10	RED	Absa Bank Ghana LTD →	60	GHS 41.38M	17.3%	— flat	−12pp unverified	GHS 81k	4.0
11	RED	Fidelity Bank (Ghana) LTD →	60	GHS 30.22M	16.7%	— flat	−5pp unverified	GHS 52k	4.0
12	GREEN	National Investment Bank PLC →	32	GHS 13.06M	15.9%	— flat	−1pp unverified	GHS 26k	4.0
13	RED	OmniBSIC Bank Ghana LTD →	42	GHS 22.74M	15.9%	▼ -1pp	−10pp unverified	GHS 57k	4.0
14	GREEN	Zenith Bank (Ghana) Limited →	54	GHS 49.06M	15.9%	— flat	—	GHS 123k	4.0
15	GREEN	First National Bank (Ghana) Limited →	40	GHS 20.36M	14.3%	— flat	—	GHS 44k	4.0
16	GREEN	Bank of Africa Ghana Limited →	30	GHS 9.55M	13.2%	▼ -1pp	—	GHS 16k	4.0
17	GREEN	First Atlantic Bank Limited →	32	GHS 13.72M	12.1%	▼ -1pp	—	GHS 19k	4.0
18	GREEN	Republic Bank (Ghana) PLC →	44	GHS 25.78M	10.4%	— flat	−1pp unverified	GHS 41k	4.0
19	GREEN	CalBank PLC →	42	GHS 25.35M	6.8%	— flat	−3pp unverified	GHS 43k	4.0
20	GREEN	Stanbic Bank Ghana Limited →	60	GHS 46.18M	5.9%	▼ -2pp	—	GHS 72k	4.0
21	GREEN	Guaranty Trust Bank (Ghana) LTD →	42	GHS 20.50M	4.2%	▼ -11pp	—	GHS 35k	4.0
22	GREEN	First Bank (Ghana) LTD →	32	GHS 11.75M	2.6%	▼ -5pp	—	GHS 9k	4.0
23	GREEN	Ecobank Ghana Plc →	64	GHS 47.43M	1.6%	▼ -8pp	—	GHS 59k	4.0

Trajectory = % High+ across 2026-08-11 and the prior periods (▲ red = rising risk, ▼ green = falling). Top-down gap = how much higher the supervisor's evidence-only re-run puts the bank vs its own submission — a positive gap means the bank leans on self-reported adaptation. Click a row to drill in and issue feedback.

System concentration by region

Greater AccraGHS 197.15M

AshantiGHS 68.99M

VoltaGHS 49.68M

EasternGHS 37.57M

WesternGHS 35.64M

BonoGHS 31.74M

CentralGHS 31.61M

Bono EastGHS 22.15M

AhafoGHS 22.02M

NorthernGHS 21.16M

Upper EastGHS 20.43M

Western NorthGHS 17.79M

OtiGHS 17.32M

Upper WestGHS 14.70M

SavannahGHS 14.67M

North EastGHS 10.56M

High+ exposure by hazard (system)

Extreme heatGHS 124.86M

FloodGHS 85.46M

Coastal / sea-levelGHS 48.55M

Drought / water stressGHS 45.69M

Riparian proximityGHS 24.91M

Systemic overlap — one event hitting several banks at once

Regions where two or more banks each carry material High+ exposure — the correlated concentration a single severe flood or storm would hit across the sector simultaneously.

Greater Accra · 18 banksZenith, Agricultural, United, Societe, GCB, First, Standard, Republic, Access, Stanbic, First, Absa, OmniBSIC, National, CalBank, Guaranty, Universal, ConsolidatedGHS 23.52M

Upper East · 17 banksConsolidated, GCB, Fidelity, Standard, Agricultural, Universal, Prudential, Bank, Access, OmniBSIC, National, First, Absa, Zenith, Ecobank, Guaranty, StanbicGHS 20.43M

Ashanti · 15 banksAbsa, Agricultural, Societe, Consolidated, Universal, CalBank, Zenith, GCB, National, Stanbic, OmniBSIC, Republic, Access, Bank, FirstGHS 19.03M

Northern · 13 banksStandard, United, Universal, Fidelity, Absa, Zenith, GCB, Republic, Access, Consolidated, Agricultural, Prudential, SocieteGHS 18.68M

North East · 17 banksGCB, Standard, Stanbic, Access, Fidelity, Consolidated, OmniBSIC, Absa, Ecobank, First, Guaranty, National, Agricultural, First, Prudential, CalBank, BankGHS 10.56M

Western · 7 banksZenith, United, First, First, Agricultural, OmniBSIC, CalBankGHS 5.83M

The supervisor can act, not just observe. Each bank has a RAG status and auto-derived findings; drill in to see the trajectory, the top-down re-run, and to issue a Directive-cited supervisory feedback note with remediation actions. Self-reported adaptation receives no credit until supervisor acceptance, so a bank cannot lower its return by self-attestation — and the top-down re-run makes any reliance on it visible.

Why a common method helps supervisory comparability: a shared engine and parameter set reduce methodological dispersion and support like-for-like challenge. This demonstration does not make the method a regulatory standard or imply Bank of Ghana acceptance; calibration, governance and independent validation remain required. A central top-down re-run provides a transparent benchmark without replacing an institution's approved internal models.

Illustrative — no real institution is represented by the data. Public licensed-bank names are used only to demonstrate navigation; every property, exposure, score and trajectory is synthetic and must not be attributed to the named institution. Figures remain screening-grade until calibrated to participating institutions' loss data. Built to route through BoG's ORASS. Institution-owned supervisory working view · PortfolioCheck methodology.