Stanbic Bank Ghana Limited GREEN

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 #22 of 23 by % High+ (highest = most exposed), and 12.1pp below the system average of 19.3%.

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

GHS 123.08MBook exposure (160 assets)

7.2%at High+ (bank submission)

7.2%if declared adaptation were evidenced

GHS 111kclimate ECL / yr

Risk trajectory across reporting periods

Period	% High+	Exposure	High+ exposure
2025 H1	10.6%	GHS 123.08M	GHS 13.03M
2025 H2	6.9%	GHS 123.08M	GHS 8.50M
2026 H1	7.2%	GHS 123.08M	GHS 8.80M

Supervisor top-down re-run

AS FILED (evidence-accepted adaptation only)
7.2%

→

IF SELF-REPORTED CLAIMS WERE CREDITED
7.2%

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

Greater AccraGHS 2.24M

North EastGHS 1.84M

WesternGHS 1.58M

Upper WestGHS 1.11M

AshantiGHS 909k

Upper EastGHS 657k

CentralGHS 465k

High+ exposure by hazard

FloodGHS 4.42M

Extreme heatGHS 4.26M

Drought / water stressGHS 3.61M

Coastal / sea-levelGHS 2.05M

Riparian proximityGHS 909k

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)	5	GHS 2.86M	Flood
Coastal / sea defence + elevation	3	GHS 2.05M	Coastal / sea-level
On-site water retention / storage	7	GHS 1.84M	Drought / water stress
Cool or green roof	5	GHS 1.77M	Extreme heat
Watercourse setback + drainage / elevation	1	GHS 288k	Riparian proximity

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.