Banking-sector climate risk — supervisory oversight

Financed emissions & transition → 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) [baseline] · scenario SSP2-4.5 — Middle of the road · submission channel console (ORASS-ready) · as-of 2026-10-03. 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 1692.60MSystem exposure (3016 assets, 23 banks)

19.3%of exposure at High+ risk

5 / 23banks at RED supervisory status

GHS 18.19Mlargest 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 ▼ -1.9pp 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 red9 amber9 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	RED	Standard Chartered Bank Ghana Plc →	150	GHS 79.96M	35.8%	— flat	−2pp unverified	GHS 70k	4.0
2	RED	Fidelity Bank (Ghana) LTD →	160	GHS 80.90M	35.3%	— flat	−18pp unverified	GHS 58k	4.0
3	AMBER	Societe General Ghana Plc →	121	GHS 58.94M	33.5%	— flat	−3pp unverified	GHS 97k	4.0
4	AMBER	Bank of Africa Ghana Limited →	100	GHS 26.94M	30.4%	▼ -7pp	—	GHS 22k	4.0
5	AMBER	GCB Bank Plc →	192	GHS 108.87M	28.2%	▼ -1pp	−2pp unverified	GHS 79k	4.0
6	AMBER	Prudential Bank Limited →	100	GHS 34.75M	23.2%	▼ -12pp	—	GHS 31k	4.0
7	RED	Universal Merchant Bank Ghana LTD →	105	GHS 46.97M	22.9%	— flat	−12pp unverified	GHS 36k	4.0
8	AMBER	Consolidated Bank Ghana Limited →	155	GHS 97.19M	22.3%	▼ -1pp	−2pp unverified	GHS 98k	4.0
9	AMBER	Access Bank (Ghana) Plc →	120	GHS 56.90M	21.9%	— flat	—	GHS 53k	4.0
10	AMBER	Agricultural Development Bank Plc →	165	GHS 103.99M	21.4%	— flat	−4pp unverified	GHS 205k	4.0
11	AMBER	Zenith Bank (Ghana) Limited →	145	GHS 117.26M	21.0%	— flat	−2pp unverified	GHS 194k	4.0
12	AMBER	United Bank for Africa (Ghana) Limited →	124	GHS 74.08M	20.1%	▲ +1pp	−2pp unverified	GHS 139k	4.0
13	GREEN	National Investment Bank PLC →	100	GHS 34.90M	19.7%	— flat	—	GHS 34k	4.0
14	GREEN	First Atlantic Bank Limited →	107	GHS 44.05M	19.5%	▼ -3pp	−4pp unverified	GHS 61k	4.0
15	RED	OmniBSIC Bank Ghana LTD →	117	GHS 61.08M	16.4%	— flat	−13pp unverified	GHS 92k	4.0
16	GREEN	First National Bank (Ghana) Limited →	110	GHS 60.22M	16.1%	— flat	−3pp unverified	GHS 102k	4.0
17	RED	Absa Bank Ghana LTD →	160	GHS 120.85M	15.1%	— flat	−10pp unverified	GHS 129k	4.0
18	GREEN	Republic Bank (Ghana) PLC →	120	GHS 72.94M	14.8%	— flat	−2pp unverified	GHS 99k	4.0
19	GREEN	CalBank PLC →	115	GHS 73.75M	10.6%	— flat	−1pp unverified	GHS 62k	4.0
20	GREEN	First Bank (Ghana) LTD →	100	GHS 34.70M	9.1%	▼ -9pp	—	GHS 19k	4.0
21	GREEN	Guaranty Trust Bank (Ghana) LTD →	115	GHS 60.07M	9.0%	▼ -9pp	—	GHS 61k	4.0
22	GREEN	Stanbic Bank Ghana Limited →	160	GHS 123.08M	7.2%	▼ -3pp	—	GHS 111k	4.0
23	GREEN	Ecobank Ghana Plc →	175	GHS 120.22M	4.9%	▼ -11pp	—	GHS 96k	4.0

Trajectory = % High+ across 2026-10-03 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 522.35M

AshantiGHS 200.76M

VoltaGHS 137.05M

EasternGHS 114.50M

WesternGHS 102.06M

BonoGHS 88.88M

CentralGHS 78.67M

NorthernGHS 64.73M

Bono EastGHS 59.61M

Western NorthGHS 56.41M

AhafoGHS 53.27M

Upper EastGHS 50.62M

OtiGHS 45.89M

Upper WestGHS 44.32M

SavannahGHS 38.38M

North EastGHS 35.11M

High+ exposure by hazard (system)

Extreme heatGHS 534.04M

FloodGHS 230.66M

Drought / water stressGHS 133.20M

Coastal / sea-levelGHS 132.27M

Riparian proximityGHS 78.62M

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.

Ashanti · 23 banksZenith, Agricultural, Absa, Societe, First, Republic, OmniBSIC, Guaranty, Consolidated, Universal, United, CalBank, Prudential, Access, Ecobank, First, Fidelity, National, Stanbic, Standard, Bank, GCB, FirstGHS 62.48M

Northern · 19 banksFidelity, Standard, GCB, United, Universal, Consolidated, Societe, Zenith, Agricultural, Prudential, Access, Absa, National, Republic, First, Ecobank, Bank, First, FirstGHS 58.69M

Upper East · 21 banksGCB, Standard, Consolidated, Fidelity, Bank, Agricultural, National, Absa, Societe, Universal, Prudential, Access, Guaranty, First, Zenith, OmniBSIC, Ecobank, Stanbic, CalBank, First, UnitedGHS 50.62M

Greater Accra · 20 banksAgricultural, Zenith, Republic, Societe, United, Access, Absa, Stanbic, CalBank, OmniBSIC, First, GCB, First, Standard, Consolidated, National, Guaranty, Ecobank, Universal, FidelityGHS 46.50M

Upper West · 22 banksStandard, Fidelity, GCB, Consolidated, Societe, Universal, Bank, Zenith, Access, First, First, Prudential, Stanbic, Agricultural, First, National, Absa, OmniBSIC, Republic, CalBank, Ecobank, UnitedGHS 41.47M

North East · 23 banksGCB, Fidelity, Consolidated, Standard, Access, CalBank, Stanbic, Agricultural, Bank, Absa, Guaranty, Universal, Societe, OmniBSIC, National, First, Prudential, First, First, Ecobank, United, Republic, ZenithGHS 35.11M

Western · 14 banksZenith, United, Agricultural, Absa, First, Stanbic, Fidelity, CalBank, First, Prudential, Ecobank, Republic, Bank, OmniBSICGHS 18.51M

Central · 12 banksOmniBSIC, Zenith, Ecobank, Absa, Republic, Consolidated, First, Stanbic, United, Agricultural, CalBank, PrudentialGHS 11.27M

Oti · 4 banksSociete, First, First, GCBGHS 1.20M

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.