OmniBSIC Bank Ghana LTD RED

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 2.9pp below the system average of 19.3%.

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

GHS 61.08MBook exposure (117 assets)

16.4%at High+ (bank submission)

3.7%if declared adaptation were evidenced

GHS 92kclimate ECL / yr

Risk trajectory across reporting periods

Period	% High+	Exposure	High+ exposure
2025 H1	16.1%	GHS 55.32M	GHS 8.89M
2025 H2	15.1%	GHS 59.05M	GHS 8.89M
2026 H1	16.4%	GHS 61.08M	GHS 10.03M

Supervisor top-down re-run

AS FILED (evidence-accepted adaptation only)
16.4%

→

IF SELF-REPORTED CLAIMS WERE CREDITED
3.7%

On the supervisor's adaptation-evidence cross-check the bank is carrying −12.7pp of unverified adaptation: if its declared-but-unevidenced measures were credited, its High+ share would fall from 16.4% to 3.7%. That credit stays withheld until site/as-built evidence is accepted.

High+ exposure by region

CentralGHS 2.97M

AshantiGHS 2.82M

Greater AccraGHS 2.12M

Upper EastGHS 751k

North EastGHS 731k

Upper WestGHS 437k

WesternGHS 202k

High+ exposure by hazard

FloodGHS 4.94M

Extreme heatGHS 4.05M

Coastal / sea-levelGHS 3.17M

Riparian proximityGHS 2.50M

Drought / water stressGHS 1.92M

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

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 4% (−13pp); 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
Improved drainage + raised plinth (elevation)	13	GHS 4.50M	Flood
Coastal / sea defence + elevation	6	GHS 3.17M	Coastal / sea-level
Cool or green roof	4	GHS 1.19M	Extreme heat
On-site water retention / storage	3	GHS 731k	Drought / water stress
Watercourse setback + drainage / elevation	2	GHS 437k	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.