Universal Merchant Bank Ghana LTD 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 #2 of 23 by % High+ (highest = most exposed), and +11.1pp above the system average of 16.2%.

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

GHS 18.07MBook exposure (38 assets)

27.3%at High+ (bank submission)

12.1%if declared adaptation were evidenced

GHS 33kclimate ECL / yr

Risk trajectory across reporting periods

Period	% High+	Exposure	High+ exposure
2025 H1	27.3%	GHS 18.07M	GHS 4.94M
2025 H2	27.3%	GHS 18.07M	GHS 4.94M
2026 H1	27.3%	GHS 18.07M	GHS 4.94M

Supervisor top-down re-run

AS FILED (evidence-accepted adaptation only)
27.3%

→

IF SELF-REPORTED CLAIMS WERE CREDITED
12.1%

On the supervisor's adaptation-evidence cross-check the bank is carrying −15.2pp of unverified adaptation: if its declared-but-unevidenced measures were credited, its High+ share would fall from 27.3% to 12.1%. That credit stays withheld until site/as-built evidence is accepted.

High+ exposure by region

NorthernGHS 2.35M

Upper EastGHS 1.21M

AshantiGHS 1.15M

Greater AccraGHS 237k

High+ exposure by hazard

Extreme heatGHS 4.53M

FloodGHS 1.39M

Drought / water stressGHS 1.21M

Riparian proximityGHS 625k

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)) 27% of exposure is at High+ risk — above the illustrative watch level (20%, supervisor-set, not a Directive ceiling).
ACTION REQUIRED (Evidence gating (Para 33(c))) Unverified adaptation pipeline: the bank has declared resilience measures that are not yet evidence-accepted. Crediting them would cut High+ from 27% to 12% (−15pp); the filed figure correctly withholds that credit. Require site/as-built evidence before it counts.

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 2.35M	Extreme heat
Improved drainage + raised plinth (elevation)	3	GHS 1.39M	Flood
On-site water retention / storage	3	GHS 1.21M	Drought / water stress

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.