Consolidated Bank Ghana Limited AMBER

Reporting period 2026 H1 · submission channel console (ORASS-ready) · run on the common supervisory method & parameter set. Trajectory ▼ -1pp across the submitted periods.

Peer comparison: ranked #8 of 23 by % High+ (highest = most exposed), and +3.0pp above the system average of 19.3%.

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

GHS 97.19MBook exposure (155 assets)

22.3%at High+ (bank submission)

20.4%if declared adaptation were evidenced

GHS 98kclimate ECL / yr

Risk trajectory across reporting periods

Period	% High+	Exposure	High+ exposure
2025 H1	23.2%	GHS 93.31M	GHS 21.64M
2025 H2	22.5%	GHS 96.39M	GHS 21.64M
2026 H1	22.3%	GHS 97.19M	GHS 21.64M

Supervisor top-down re-run

AS FILED (evidence-accepted adaptation only)
22.3%

→

IF SELF-REPORTED CLAIMS WERE CREDITED
20.4%

On the supervisor's adaptation-evidence cross-check the bank is carrying −1.9pp of unverified adaptation: if its declared-but-unevidenced measures were credited, its High+ share would fall from 22.3% to 20.4%. That credit stays withheld until site/as-built evidence is accepted.

High+ exposure by region

Upper EastGHS 6.97M

NorthernGHS 3.78M

Upper WestGHS 3.48M

North EastGHS 3.02M

AshantiGHS 2.36M

Greater AccraGHS 1.28M

CentralGHS 754k

High+ exposure by hazard

Extreme heatGHS 18.90M

Drought / water stressGHS 13.47M

FloodGHS 3.64M

Riparian proximityGHS 2.53M

Coastal / sea-levelGHS 754k

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)) 22% 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	27	GHS 14.06M	Extreme heat
On-site water retention / storage	10	GHS 3.20M	Drought / water stress
Watercourse setback + drainage / elevation	5	GHS 2.36M	Riparian proximity
Improved drainage + raised plinth (elevation)	4	GHS 1.28M	Flood
Coastal / sea defence + elevation	1	GHS 754k	Coastal / sea-level

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.