Republic Bank (Ghana) PLC GREEN

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 #18 of 23 by % High+ (highest = most exposed), and 4.5pp below the system average of 19.3%.

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

GHS 72.94MBook exposure (120 assets)

14.8%at High+ (bank submission)

12.8%if declared adaptation were evidenced

GHS 99kclimate ECL / yr

Risk trajectory across reporting periods

Period	% High+	Exposure	High+ exposure
2025 H1	14.8%	GHS 72.94M	GHS 10.79M
2025 H2	14.8%	GHS 72.94M	GHS 10.79M
2026 H1	14.8%	GHS 72.94M	GHS 10.79M

Supervisor top-down re-run

AS FILED (evidence-accepted adaptation only)
14.8%

→

IF SELF-REPORTED CLAIMS WERE CREDITED
12.8%

On the supervisor's adaptation-evidence cross-check the bank is carrying −2.0pp of unverified adaptation: if its declared-but-unevidenced measures were credited, its High+ share would fall from 14.8% to 12.8%. That credit stays withheld until site/as-built evidence is accepted.

High+ exposure by region

Greater AccraGHS 4.54M

AshantiGHS 2.93M

CentralGHS 1.16M

NorthernGHS 1.15M

Upper WestGHS 428k

North EastGHS 296k

WesternGHS 284k

High+ exposure by hazard

FloodGHS 7.75M

Extreme heatGHS 3.56M

Riparian proximityGHS 2.93M

Coastal / sea-levelGHS 1.45M

Drought / water stressGHS 724k

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 (—) No material supervisory concern this period; maintain monitoring.

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)	10	GHS 4.79M	Flood
Watercourse setback + drainage / elevation	5	GHS 2.68M	Riparian proximity
Cool or green roof	5	GHS 1.58M	Extreme heat
Coastal / sea defence + elevation	3	GHS 1.45M	Coastal / sea-level
On-site water retention / storage	1	GHS 296k	Drought / water stress

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.