Fidelity 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 #11 of 23 by % High+ (highest = most exposed), and +0.5pp above the system average of 16.2%.

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

GHS 30.22MBook exposure (60 assets)

16.7%at High+ (bank submission)

11.4%if declared adaptation were evidenced

GHS 52kclimate ECL / yr

Risk trajectory across reporting periods

Period	% High+	Exposure	High+ exposure
2025 H1	16.7%	GHS 30.22M	GHS 5.04M
2025 H2	16.7%	GHS 30.22M	GHS 5.04M
2026 H1	16.7%	GHS 30.22M	GHS 5.04M

Supervisor top-down re-run

AS FILED (evidence-accepted adaptation only)
16.7%

→

IF SELF-REPORTED CLAIMS WERE CREDITED
11.4%

On the supervisor's adaptation-evidence cross-check the bank is carrying −5.3pp of unverified adaptation: if its declared-but-unevidenced measures were credited, its High+ share would fall from 16.7% to 11.4%. That credit stays withheld until site/as-built evidence is accepted.

High+ exposure by region

NorthernGHS 2.24M

Upper EastGHS 2.04M

North EastGHS 753k

High+ exposure by hazard

Extreme heatGHS 5.04M

Drought / water stressGHS 2.80M

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

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 17% to 11% (−5pp); 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
On-site water retention / storage	8	GHS 2.80M	Drought / water stress
Cool or green roof	4	GHS 2.24M	Extreme heat

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.