OmniBSIC Bank Ghana LTD RED

Reporting period 2026 H1 · submission channel console (ORASS-ready) · run on the common supervisory method & parameter set. Trajectory ▼ -1pp across the submitted periods.

Peer comparison: ranked #13 of 23 by % High+ (highest = most exposed), and in line with the system average of 16.2%.

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

GHS 22.74MBook exposure (42 assets)

15.9%at High+ (bank submission)

6.1%if declared adaptation were evidenced

GHS 57kclimate ECL / yr

Risk trajectory across reporting periods

Period	% High+	Exposure	High+ exposure
2025 H1	16.9%	GHS 21.45M	GHS 3.62M
2025 H2	16.7%	GHS 21.72M	GHS 3.62M
2026 H1	15.9%	GHS 22.74M	GHS 3.62M

Supervisor top-down re-run

AS FILED (evidence-accepted adaptation only)
15.9%

→

IF SELF-REPORTED CLAIMS WERE CREDITED
6.1%

On the supervisor's adaptation-evidence cross-check the bank is carrying −9.8pp of unverified adaptation: if its declared-but-unevidenced measures were credited, its High+ share would fall from 15.9% to 6.1%. That credit stays withheld until site/as-built evidence is accepted.

High+ exposure by region

CentralGHS 1.13M

North EastGHS 731k

Upper EastGHS 649k

AshantiGHS 506k

Greater AccraGHS 400k

WesternGHS 202k

High+ exposure by hazard

Extreme heatGHS 1.67M

Drought / water stressGHS 1.38M

Coastal / sea-levelGHS 1.34M

FloodGHS 906k

Riparian proximityGHS 506k

Selected institution — property distribution

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Supervisory findings

ACTION REQUIRED (Evidence gating (Para 33(c))) Unverified adaptation pipeline: the bank has declared resilience measures that are not yet evidence-accepted. Crediting them would cut High+ from 16% to 6% (−10pp); the filed figure correctly withholds that credit. Require site/as-built evidence before it counts.

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
On-site water retention / storage	4	GHS 1.38M	Drought / water stress
Coastal / sea defence + elevation	2	GHS 1.34M	Coastal / sea-level
Improved drainage + raised plinth (elevation)	3	GHS 685k	Flood
Watercourse setback + drainage / elevation	1	GHS 221k	Riparian proximity

Supervisory action

Status RED. 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.