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 #2 of 23 by % High+ (highest = most exposed), and +16.0pp above the system average of 19.3%.

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

GHS 80.90MBook exposure (160 assets)

35.3%at High+ (bank submission)

17.4%if declared adaptation were evidenced

GHS 58kclimate ECL / yr

Risk trajectory across reporting periods

Period	% High+	Exposure	High+ exposure
2025 H1	35.3%	GHS 80.90M	GHS 28.58M
2025 H2	35.3%	GHS 80.90M	GHS 28.58M
2026 H1	35.3%	GHS 80.90M	GHS 28.58M

Supervisor top-down re-run

AS FILED (evidence-accepted adaptation only)
35.3%

→

IF SELF-REPORTED CLAIMS WERE CREDITED
17.4%

On the supervisor's adaptation-evidence cross-check the bank is carrying −17.9pp of unverified adaptation: if its declared-but-unevidenced measures were credited, its High+ share would fall from 35.3% to 17.4%. That credit stays withheld until site/as-built evidence is accepted.

High+ exposure by region

NorthernGHS 9.93M

Upper WestGHS 6.54M

Upper EastGHS 5.20M

North EastGHS 4.25M

AshantiGHS 1.44M

WesternGHS 991k

Greater AccraGHS 219k

High+ exposure by hazard

Extreme heatGHS 26.79M

Drought / water stressGHS 15.99M

FloodGHS 1.66M

Riparian proximityGHS 1.44M

Coastal / sea-levelGHS 991k

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 (Para 48(l)) 35% of exposure is at High+ physical-climate risk — above the illustrative supervisory risk-appetite threshold (35%, set by the supervisor, not prescribed by the Directive).
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 35% to 17% (−18pp); 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	42	GHS 21.12M	Extreme heat
On-site water retention / storage	16	GHS 4.80M	Drought / water stress
Watercourse setback + drainage / elevation	2	GHS 1.44M	Riparian proximity
Coastal / sea defence + elevation	1	GHS 991k	Coastal / sea-level
Improved drainage + raised plinth (elevation)	1	GHS 219k	Flood

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.