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 #16 of 23 by % High+ (highest = most exposed), and 3.2pp below the system average of 19.3%.

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

GHS 60.22MBook exposure (110 assets)

16.1%at High+ (bank submission)

13.0%if declared adaptation were evidenced

GHS 102kclimate ECL / yr

Risk trajectory across reporting periods

Period	% High+	Exposure	High+ exposure
2025 H1	16.1%	GHS 60.22M	GHS 9.71M
2025 H2	16.1%	GHS 60.22M	GHS 9.71M
2026 H1	16.1%	GHS 60.22M	GHS 9.71M

Supervisor top-down re-run

AS FILED (evidence-accepted adaptation only)
16.1%

→

IF SELF-REPORTED CLAIMS WERE CREDITED
13.0%

On the supervisor's adaptation-evidence cross-check the bank is carrying −3.1pp of unverified adaptation: if its declared-but-unevidenced measures were credited, its High+ share would fall from 16.1% to 13.0%. That credit stays withheld until site/as-built evidence is accepted.

High+ exposure by region

Greater AccraGHS 1.94M

WesternGHS 1.93M

AshantiGHS 1.44M

Upper WestGHS 1.27M

NorthernGHS 994k

Upper EastGHS 942k

CentralGHS 643k

North EastGHS 545k

High+ exposure by hazard

FloodGHS 5.31M

Extreme heatGHS 4.71M

Drought / water stressGHS 2.75M

Coastal / sea-levelGHS 2.58M

Riparian proximityGHS 1.44M

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
Cool or green roof	10	GHS 3.20M	Extreme heat
Improved drainage + raised plinth (elevation)	8	GHS 3.08M	Flood
Coastal / sea defence + elevation	3	GHS 2.58M	Coastal / sea-level
On-site water retention / storage	2	GHS 545k	Drought / water stress
Watercourse setback + drainage / elevation	1	GHS 296k	Riparian proximity

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.