Zenith Bank (Ghana) Limited 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 #11 of 23 by % High+ (highest = most exposed), and +1.7pp above the system average of 19.3%.

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

GHS 117.26MBook exposure (145 assets)

21.0%at High+ (bank submission)

18.9%if declared adaptation were evidenced

GHS 194kclimate ECL / yr

Risk trajectory across reporting periods

Period	% High+	Exposure	High+ exposure
2025 H1	21.0%	GHS 117.26M	GHS 24.67M
2025 H2	21.0%	GHS 117.26M	GHS 24.67M
2026 H1	21.0%	GHS 117.26M	GHS 24.67M

Supervisor top-down re-run

AS FILED (evidence-accepted adaptation only)
21.0%

→

IF SELF-REPORTED CLAIMS WERE CREDITED
18.9%

On the supervisor's adaptation-evidence cross-check the bank is carrying −2.1pp of unverified adaptation: if its declared-but-unevidenced measures were credited, its High+ share would fall from 21.0% to 18.9%. That credit stays withheld until site/as-built evidence is accepted.

High+ exposure by region

AshantiGHS 8.21M

Greater AccraGHS 5.24M

WesternGHS 3.74M

NorthernGHS 2.86M

Upper WestGHS 1.82M

CentralGHS 1.77M

Upper EastGHS 775k

North EastGHS 249k

High+ exposure by hazard

FloodGHS 15.90M

Extreme heatGHS 12.74M

Coastal / sea-levelGHS 6.18M

Riparian proximityGHS 5.33M

Drought / water stressGHS 2.85M

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)) 21% 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)	11	GHS 8.12M	Flood
Coastal / sea defence + elevation	9	GHS 5.52M	Coastal / sea-level
Cool or green roof	10	GHS 5.46M	Extreme heat
Watercourse setback + drainage / elevation	8	GHS 5.33M	Riparian proximity
On-site water retention / storage	2	GHS 249k	Drought / water stress

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.