Financed emissions & transition — sector roll-up

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Every bank's financed emissions (PCAF Scope 3 Cat. 15) and NGFS transition exposure, rolled up across the sector on the same engines — the macroprudential transition view: total financed carbon, taxonomy alignment, how much sits in carbon-intensive segments, and how far a business-as-usual sector is from a 1.5°C path. Click any bank to drill into its book. A screening-grade estimate, not audited.

13,527System financed emissions (tCO₂e) · Scope 3 Cat. 15

15.18%System Green Asset Ratio (proxy)

19.3%of financed emissions in carbon-intensive segments

+29.1%sector gap to a 1.5°C path at 2030 (Off track)

System financed-emissions pathways to 2050

Sector financed emissions under the four NGFS scenarios; the dashed line is the 1.5°C target.

Current PoliciesDelayed TransitionBelow 2°CNet Zero 20501.5°C target

Transition carbon cost (VaR)

Worst-case sector financed-carbon cost by horizon (financed emissions × scenario carbon price).

2030GHS 14.02M · 0.83%

2035GHS 23.37M · 1.38%

2040GHS 26.78M · 1.58%

2050GHS 14.61M · 0.86%

Peak: GHS 26.78M around 2040. On a business-as-usual path the sector finances 13,798 tCO₂e in 2030 against a 1.5°C budget of 10,686 tCO₂e.

Bank league table — financed emissions · intensity · transition risk

#	Bank	Financed tCO₂e	Intensity*	GAR	Carbon-int.	Transition risk	Peak transition cost
1	Stanbic Bank Ghana Limited →	987	8.02	65.4%	22.3%	Elevated	GHS 1.95M 1.59% exp.
2	Absa Bank Ghana LTD →	965	7.99	0%	21.5%	High	GHS 1.91M 1.58% exp.
3	Ecobank Ghana Plc →	962	8	64.36%	19.3%	Elevated	GHS 1.90M 1.58% exp.
4	Zenith Bank (Ghana) Limited →	936	7.98	0%	19.4%	High	GHS 1.85M 1.58% exp.
5	GCB Bank Plc →	867	7.96	0%	16.4%	High	GHS 1.72M 1.58% exp.
6	Agricultural Development Bank Plc →	827	7.96	0%	12.6%	High	GHS 1.64M 1.58% exp.
7	Consolidated Bank Ghana Limited →	782	8.05	0%	27.6%	High	GHS 1.55M 1.59% exp.
8	Standard Chartered Bank Ghana Plc →	643	8.04	0%	23.9%	High	GHS 1.27M 1.59% exp.
9	Fidelity Bank (Ghana) LTD →	639	7.9	0%	11.4%	High	GHS 1.27M 1.56% exp.
10	CalBank PLC →	595	8.07	0%	27.3%	High	GHS 1.18M 1.6% exp.
11	Republic Bank (Ghana) PLC →	594	8.14	0%	24.8%	High	GHS 1.18M 1.61% exp.
12	United Bank for Africa (Ghana) Limited →	589	7.96	0%	16%	High	GHS 1.17M 1.58% exp.
13	OmniBSIC Bank Ghana LTD →	489	8.01	0%	20.7%	High	GHS 968k 1.59% exp.
14	First National Bank (Ghana) Limited →	484	8.03	0%	20.9%	High	GHS 958k 1.59% exp.
15	Guaranty Trust Bank (Ghana) LTD →	482	8.03	58.34%	18.1%	Elevated	GHS 955k 1.59% exp.
16	Societe General Ghana Plc →	470	7.98	0%	11.5%	High	GHS 932k 1.58% exp.
17	Access Bank (Ghana) Plc →	456	8	0%	22.1%	High	GHS 902k 1.58% exp.
18	Universal Merchant Bank Ghana LTD →	371	7.9	0%	16.9%	High	GHS 735k 1.56% exp.
19	First Atlantic Bank Limited →	347	7.87	0%	10.1%	High	GHS 687k 1.56% exp.
20	National Investment Bank PLC →	279	7.98	0%	17.5%	High	GHS 552k 1.58% exp.
21	Prudential Bank Limited →	276	7.93	60.94%	18%	Elevated	GHS 546k 1.57% exp.
22	First Bank (Ghana) LTD →	275	7.92	72.92%	16.3%	Elevated	GHS 544k 1.57% exp.
23	Bank of Africa Ghana Limited →	212	7.88	65.39%	20.6%	Elevated	GHS 421k 1.56% exp.

*Intensity = tCO₂e per GHS million outstanding. Carbon-int. = share of the bank's financed emissions in carbon-intensive segments. Transition risk = a bank-specific tier from its carbon-intensive share and taxonomy alignment (the 1.5°C scenario gap is sector arithmetic — shown as a sector figure above, not per bank). Click a row to drill in.

System financed emissions by region

Greater Accra4,201 t · 31.1%

Ashanti1,606 t · 11.9%

Volta1,095 t · 8.1%

Eastern912 t · 6.7%

Western808 t · 6%

Bono708 t · 5.2%

Central626 t · 4.6%

Northern512 t · 3.8%

Bono East478 t · 3.5%

Western North454 t · 3.4%

Ahafo421 t · 3.1%

Upper East403 t · 3%

Regional concentration (HHI): 0.138 · Diversified.

Most transition-exposed banks

The banks with the most carbon-intensive financed emissions and least taxonomy alignment — where supervisory engagement on transition planning would bite most.

Consolidated Bank Ghana Limited — 27.6% carbon-intensive financed emissions · GAR 0% · transition risk High
CalBank PLC — 27.3% carbon-intensive financed emissions · GAR 0% · transition risk High
Republic Bank (Ghana) PLC — 24.8% carbon-intensive financed emissions · GAR 0% · transition risk High
Standard Chartered Bank Ghana Plc — 23.9% carbon-intensive financed emissions · GAR 0% · transition risk High
Stanbic Bank Ghana Limited — 22.3% carbon-intensive financed emissions · GAR 65.4% · transition risk Elevated

Why this matters to the supervisor: financed emissions are the sector's largest climate exposure and the transition channel the Directive and IFRS S2 target. Because every bank runs the identical PCAF and NGFS method, the figures are directly comparable — the supervisor can rank transition exposure, see where carbon-intensive lending concentrates, and identify which banks drag the sector off a 1.5°C path, without replacing any institution's own disclosure.

Illustrative — no real institution is represented. Carbon prices and decarbonisation pathways are ILLUSTRATIVE NGFS Phase IV reference figures (US$/tCO2e, converted at US$1≈GHS12); anchor years 2025/2030/2035/2040/2050 linearly interpolated. Calibrate to the NGFS data portal for the reporting vintage. The carbon cost is the book's financed emissions valued at the scenario price — a transition-exposure proxy, NOT a modelled credit loss. Every bank, asset and figure is synthetic; emission factors, carbon prices and target rates are configurable and not audited. Built to route through BoG's ORASS.