Standard Chartered Bank Ghana Plc RED

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 #1 of 23 by % High+ (highest = most exposed), and +16.5pp above the system average of 19.3%.

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

GHS 79.96MBook exposure (150 assets)

35.8%at High+ (bank submission)

33.4%if declared adaptation were evidenced

GHS 70kclimate ECL / yr

Risk trajectory across reporting periods

Period	% High+	Exposure	High+ exposure
2025 H1	35.8%	GHS 79.96M	GHS 28.63M
2025 H2	35.8%	GHS 79.96M	GHS 28.63M
2026 H1	35.8%	GHS 79.96M	GHS 28.63M

Supervisor top-down re-run

AS FILED (evidence-accepted adaptation only)
35.8%

→

IF SELF-REPORTED CLAIMS WERE CREDITED
33.4%

On the supervisor's adaptation-evidence cross-check the bank is carrying −2.4pp of unverified adaptation: if its declared-but-unevidenced measures were credited, its High+ share would fall from 35.8% to 33.4%. That credit stays withheld until site/as-built evidence is accepted.

High+ exposure by region

Upper EastGHS 8.31M

NorthernGHS 7.60M

Upper WestGHS 7.36M

North EastGHS 2.86M

Greater AccraGHS 1.64M

AshantiGHS 863k

High+ exposure by hazard

Extreme heatGHS 26.68M

Drought / water stressGHS 18.53M

FloodGHS 2.50M

Riparian proximityGHS 1.67M

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

ACTION REQUIRED (Para 48(l)) 36% of exposure is at High+ physical-climate risk — above the illustrative supervisory risk-appetite threshold (35%, set by the supervisor, not prescribed by the Directive).

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	44	GHS 21.12M	Extreme heat
On-site water retention / storage	15	GHS 5.01M	Drought / water stress
Improved drainage + raised plinth (elevation)	4	GHS 1.95M	Flood
Watercourse setback + drainage / elevation	1	GHS 554k	Riparian proximity

Supervisory action

Status RED. 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.