First National Bank (Ghana) Limited GREEN

Reporting period 2026 H1 · submission channel console (ORASS-ready) · run on the common supervisory method & parameter set. Trajectory — flat across the submitted periods.

Peer comparison: ranked #15 of 23 by % High+ (highest = most exposed), and 1.9pp below the system average of 16.2%.

Regulator-scoped view. Only First National Bank (Ghana) Limited's synthetic assets are loaded below. Open institution-side dashboard →

GHS 20.36MBook exposure (40 assets)

14.3%at High+ (bank submission)

14.3%if declared adaptation were evidenced

GHS 44kclimate ECL / yr

Risk trajectory across reporting periods

Period	% High+	Exposure	High+ exposure
2025 H1	14.3%	GHS 20.36M	GHS 2.92M
2025 H2	14.3%	GHS 20.36M	GHS 2.92M
2026 H1	14.3%	GHS 20.36M	GHS 2.92M

Supervisor top-down re-run

AS FILED (evidence-accepted adaptation only)
14.3%

→

IF SELF-REPORTED CLAIMS WERE CREDITED
14.3%

On the supervisor's adaptation-evidence cross-check the bank is making no claim on unverified adaptation — its filed figure is already fully evidence-based.

High+ exposure by region

Greater AccraGHS 1.65M

WesternGHS 713k

Upper EastGHS 554k

High+ exposure by hazard

FloodGHS 2.36M

Coastal / sea-levelGHS 713k

Extreme heatGHS 554k

Drought / water stressGHS 554k

Selected institution — property distribution

The sector dashboard intentionally plots no properties. This map is created only after the regulator selects an institution and contains no other institution's assets.

Supervisory findings

NOTED (—) No material supervisory concern this period; maintain monitoring.

Recommended adaptation measures

Specific measures for this bank's High+ assets, by the hazard driving each. These are attached to any directive issued.

Measure	Assets	Exposure	Hazard driver
Improved drainage + raised plinth (elevation)	4	GHS 1.65M	Flood
Coastal / sea defence + elevation	1	GHS 713k	Coastal / sea-level
On-site water retention / storage	2	GHS 554k	Drought / water stress

Supervisory action

Status GREEN. Prepare a draft directive — a Directive-cited draft is recorded and delivered to the institution's supervisory inbox for review and formal issue.

Download feedback note ↓ Proposed return document (Word) ↓ Physical-risk return data (CSV) ↓

Illustrative — synthetic data. The public institution name is used only to demonstrate navigation. No property, exposure, result or trajectory shown is information about the named institution. Submitted via the demonstration channel; built to route through BoG's ORASS. Institution-owned working document.