================================================================
  DRAFT SUPERVISORY-FEEDBACK NOTE - TEMPLATE
  A draft for a supervisor to review, adapt and (if it chooses) issue.
  SYNTHETIC / FICTIONAL SAMPLE - this is NOT a communication from the
  Bank of Ghana, and no real institution is represented.
================================================================

[Draft to:  The Chief Risk Officer, National Investment Bank PLC]
Reporting period: 2026 H1    Supervisory status: GREEN
Reference: Climate-Related Financial Risk Directive, 2024 (Para 48 physical-risk section)

Dear Sir/Madam,

Following our review of your climate-related financial risk submission, run on the common supervisory method and parameter set, we note the following:

  1. [Noted] (-) No material supervisory concern this period; maintain monitoring.

Recommended adaptation measures (by the hazard driving each High+ asset):
  - On-site water retention / storage - 4 asset(s), ~GHS 916,000 exposure (driver: Drought / water stress).
  - Improved drainage + raised plinth (elevation) - 4 asset(s), ~GHS 729,000 exposure (driver: Flood).
  - Watercourse setback + drainage / elevation - 1 asset(s), ~GHS 437,000 exposure (driver: Riparian proximity).

No supervisory action is required this period. Please maintain monitoring and disclosure in line with the Directive.

This draft is intended to support compliance with the Directive and does not, of itself, constitute a capital or enforcement measure.

[For issue by the Bank of Ghana, Climate & Sustainability Office, on official letterhead.]
Prepared by the PortfolioCheck supervisor console  -  2026-08-23

----------------------------------------------------------------
SYNTHETIC / FICTIONAL SAMPLE - not an actual Bank of Ghana communication.
----------------------------------------------------------------