Societe General Ghana Plc AMBER

Reporting period 2026 H1 · submission channel console (ORASS-ready) · run on the common supervisory method & parameter set. Trajectory ▲ +3pp across the submitted periods.

Peer comparison: ranked #6 of 23 by % High+ (highest = most exposed), and +8.1pp above the system average of 16.2%.

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

GHS 21.79MBook exposure (44 assets)

24.3%at High+ (bank submission)

23.2%if declared adaptation were evidenced

GHS 62kclimate ECL / yr

Risk trajectory across reporting periods

Period	% High+	Exposure	High+ exposure
2025 H1	21.2%	GHS 20.93M	GHS 4.44M
2025 H2	21.8%	GHS 21.09M	GHS 4.60M
2026 H1	24.3%	GHS 21.79M	GHS 5.30M

Supervisor top-down re-run

AS FILED (evidence-accepted adaptation only)
24.3%

→

IF SELF-REPORTED CLAIMS WERE CREDITED
23.2%

On the supervisor's adaptation-evidence cross-check the bank is carrying −1.1pp of unverified adaptation: if its declared-but-unevidenced measures were credited, its High+ share would fall from 24.3% to 23.2%. That credit stays withheld until site/as-built evidence is accepted.

High+ exposure by region

AshantiGHS 2.49M

Greater AccraGHS 2.17M

NorthernGHS 647k

High+ exposure by hazard

FloodGHS 4.66M

Extreme heatGHS 3.13M

Riparian proximityGHS 2.49M

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)) 24% 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
Improved drainage + raised plinth (elevation)	6	GHS 2.93M	Flood
Watercourse setback + drainage / elevation	2	GHS 1.73M	Riparian proximity
Cool or green roof	3	GHS 647k	Extreme heat

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.