Guaranty Trust Bank (Ghana) LTD GREEN

Reporting period 2026 H1 · submission channel console (ORASS-ready) · run on the common supervisory method & parameter set. Trajectory ▼ -9pp across the submitted periods.

Peer comparison: ranked #21 of 23 by % High+ (highest = most exposed), and 10.3pp below the system average of 19.3%.

Regulator-scoped view. Only Guaranty Trust Bank (Ghana) LTD's synthetic assets are loaded below. Open institution-side dashboard →

GHS 60.07MBook exposure (115 assets)

9.0%at High+ (bank submission)

9.0%if declared adaptation were evidenced

GHS 61kclimate ECL / yr

Risk trajectory across reporting periods

Period	% High+	Exposure	High+ exposure
2025 H1	18.1%	GHS 60.07M	GHS 10.86M
2025 H2	12.9%	GHS 60.07M	GHS 7.76M
2026 H1	9.0%	GHS 60.07M	GHS 5.38M

Supervisor top-down re-run

AS FILED (evidence-accepted adaptation only)
9.0%

→

IF SELF-REPORTED CLAIMS WERE CREDITED
9.0%

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

AshantiGHS 2.39M

Greater AccraGHS 1.04M

Upper EastGHS 1.01M

North EastGHS 937k

High+ exposure by hazard

Extreme heatGHS 4.19M

FloodGHS 3.44M

Drought / water stressGHS 1.95M

Riparian proximityGHS 1.59M

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 (Para 48) Improving: High+ share fell -9pp across the periods (now 9%), consistent with completed, verified resilience works.

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 2.87M	Flood
Cool or green roof	6	GHS 1.01M	Extreme heat
On-site water retention / storage	4	GHS 937k	Drought / water stress
Watercourse setback + drainage / elevation	2	GHS 564k	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.