Prudential Bank Limited AMBER

Reporting period 2026 H1 · submission channel console (ORASS-ready) · run on the common supervisory method & parameter set. Trajectory ▼ -12pp across the submitted periods.

Peer comparison: ranked #6 of 23 by % High+ (highest = most exposed), and +3.9pp above the system average of 19.3%.

Regulator-scoped view. Only Prudential Bank Limited's synthetic assets are loaded below. Open institution-side dashboard →

GHS 34.75MBook exposure (100 assets)

23.2%at High+ (bank submission)

23.2%if declared adaptation were evidenced

GHS 31kclimate ECL / yr

Risk trajectory across reporting periods

Period	% High+	Exposure	High+ exposure
2025 H1	35.5%	GHS 34.75M	GHS 12.32M
2025 H2	20.5%	GHS 34.75M	GHS 7.11M
2026 H1	23.2%	GHS 34.75M	GHS 8.06M

Supervisor top-down re-run

AS FILED (evidence-accepted adaptation only)
23.2%

→

IF SELF-REPORTED CLAIMS WERE CREDITED
23.2%

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

NorthernGHS 2.58M

AshantiGHS 1.69M

Upper EastGHS 1.40M

Upper WestGHS 1.21M

North EastGHS 632k

WesternGHS 430k

CentralGHS 125k

High+ exposure by hazard

Extreme heatGHS 6.52M

Drought / water stressGHS 3.24M

Riparian proximityGHS 1.97M

FloodGHS 1.69M

Coastal / sea-levelGHS 555k

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

FOR ATTENTION (Para 48(l)) 23% of exposure is at High+ risk — above the illustrative watch level (20%, supervisor-set, not a Directive ceiling).
NOTED (Para 48) Improving: High+ share fell -12pp across the periods (now 23%), 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
Cool or green roof	17	GHS 5.19M	Extreme heat
Watercourse setback + drainage / elevation	1	GHS 984k	Riparian proximity
Improved drainage + raised plinth (elevation)	1	GHS 704k	Flood
On-site water retention / storage	5	GHS 632k	Drought / water stress
Coastal / sea defence + elevation	2	GHS 555k	Coastal / sea-level

Supervisory action

Status AMBER. 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.