Societe General Ghana Plc AMBER

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 #3 of 23 by % High+ (highest = most exposed), and +14.2pp above the system average of 19.3%.

Regulator-scoped view. Only Societe General Ghana Plc's synthetic assets are loaded below. Open institution-side dashboard →

GHS 58.94MBook exposure (121 assets)

33.5%at High+ (bank submission)

30.9%if declared adaptation were evidenced

GHS 97kclimate ECL / yr

Risk trajectory across reporting periods

Period	% High+	Exposure	High+ exposure
2025 H1	34.0%	GHS 54.72M	GHS 18.61M
2025 H2	35.0%	GHS 55.72M	GHS 19.48M
2026 H1	33.5%	GHS 58.94M	GHS 19.74M

Supervisor top-down re-run

AS FILED (evidence-accepted adaptation only)
33.5%

→

IF SELF-REPORTED CLAIMS WERE CREDITED
30.9%

On the supervisor's adaptation-evidence cross-check the bank is carrying −2.6pp of unverified adaptation: if its declared-but-unevidenced measures were credited, its High+ share would fall from 33.5% to 30.9%. That credit stays withheld until site/as-built evidence is accepted.

High+ exposure by region

AshantiGHS 6.29M

Greater AccraGHS 4.16M

NorthernGHS 3.50M

Upper WestGHS 2.80M

Upper EastGHS 1.74M

North EastGHS 763k

OtiGHS 485k

High+ exposure by hazard

Extreme heatGHS 14.80M

FloodGHS 10.45M

Drought / water stressGHS 5.30M

Riparian proximityGHS 5.19M

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)) 34% of exposure is at High+ risk — above the illustrative watch level (20%, supervisor-set, not a Directive ceiling).

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	22	GHS 8.04M	Extreme heat
Improved drainage + raised plinth (elevation)	15	GHS 7.21M	Flood
Watercourse setback + drainage / elevation	5	GHS 3.73M	Riparian proximity
On-site water retention / storage	5	GHS 763k	Drought / water stress

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.