Standard Chartered Bank 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 #7 of 23 by % High+ (highest = most exposed), and +6.6pp above the system average of 16.2%.

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

GHS 31.24MBook exposure (56 assets)

22.8%at High+ (bank submission)

18.9%if declared adaptation were evidenced

GHS 75kclimate ECL / yr

Risk trajectory across reporting periods

Period	% High+	Exposure	High+ exposure
2025 H1	22.8%	GHS 31.24M	GHS 7.14M
2025 H2	22.8%	GHS 31.24M	GHS 7.14M
2026 H1	22.8%	GHS 31.24M	GHS 7.14M

Supervisor top-down re-run

AS FILED (evidence-accepted adaptation only)
22.8%

→

IF SELF-REPORTED CLAIMS WERE CREDITED
18.9%

On the supervisor's adaptation-evidence cross-check the bank is carrying −3.9pp of unverified adaptation: if its declared-but-unevidenced measures were credited, its High+ share would fall from 22.8% to 18.9%. That credit stays withheld until site/as-built evidence is accepted.

High+ exposure by region

NorthernGHS 3.22M

Greater AccraGHS 1.46M

Upper EastGHS 1.45M

North EastGHS 1.01M

High+ exposure by hazard

Extreme heatGHS 5.68M

Drought / water stressGHS 2.46M

FloodGHS 1.46M

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)) 23% 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	4	GHS 3.22M	Extreme heat
On-site water retention / storage	8	GHS 2.46M	Drought / water stress
Improved drainage + raised plinth (elevation)	2	GHS 1.46M	Flood

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.