medium · Corporate Credit Analysis cca-core

A European bank AT1 (Additional Tier 1) instrument has a trigger at a 5.125% Common Equity Tier 1 (CET1) ratio. The bank currently has a CET1 ratio of 12.0%.

Which of the following events would most likely trigger a write-down or conversion of the AT1?

  1. The bank suffers a catastrophic trading loss that consumes more than 7% of its risk-weighted assets.
  2. The bank's senior unsecured rating is downgraded two full notches, from A into the BBB category.
  3. The bank fails to call the AT1 instrument at its first call date, leaving it outstanding with a reset coupon rate.
  4. The bank's board decides to cancel its common equity dividend this quarter in order to preserve regulatory capital.

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