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 +6.5pp above the system average of 16.2%.

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

GHS 36.66MBook exposure (58 assets)

22.7%at High+ (bank submission)

20.9%if declared adaptation were evidenced

GHS 86kclimate ECL / yr

Risk trajectory across reporting periods

Period	% High+	Exposure	High+ exposure
2025 H1	23.6%	GHS 35.19M	GHS 8.31M
2025 H2	23.0%	GHS 36.17M	GHS 8.31M
2026 H1	22.7%	GHS 36.66M	GHS 8.31M

Supervisor top-down re-run

AS FILED (evidence-accepted adaptation only)
22.7%

→

IF SELF-REPORTED CLAIMS WERE CREDITED
20.9%

On the supervisor's adaptation-evidence cross-check the bank is carrying −1.8pp of unverified adaptation: if its declared-but-unevidenced measures were credited, its High+ share would fall from 22.7% to 20.9%. That credit stays withheld until site/as-built evidence is accepted.

High+ exposure by region

Upper EastGHS 4.73M

AshantiGHS 1.83M

NorthernGHS 841k

North EastGHS 732k

Greater AccraGHS 176k

High+ exposure by hazard

Extreme heatGHS 7.95M

Drought / water stressGHS 5.46M

FloodGHS 2.00M

Riparian proximityGHS 1.83M

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).
FOR ATTENTION (Para 43(g)) High+ exposure is concentrated in Upper East (57% of the bank's High+ exposure) — a correlated single-event vulnerability.

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
On-site water retention / storage	12	GHS 5.46M	Drought / water stress
Watercourse setback + drainage / elevation	3	GHS 1.83M	Riparian proximity
Cool or green roof	2	GHS 841k	Extreme heat
Improved drainage + raised plinth (elevation)	1	GHS 176k	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.