medium · Debt Capital Markets bond-instruments-structures

A bank issues an Additional Tier 1 (AT1) instrument with a temporary write-down trigger set at a 5.125% Common Equity Tier 1 (CET1) ratio.

If the bank's RWA is $200 billion and its CET1 capital falls to $10 billion, which of the following best describes the status of the AT1?

  1. The AT1 stays healthy since the ratio sits above 5.0%.
  2. The trigger is breached and the AT1 is subject to write-down.
  3. The bank must convert the AT1 into fresh common equity automatically.
  4. The AT1 is shielded because Tier 2 capital buffers absorb the loss first.

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