medium · Debt Capital Markets bond-instruments-structures

A bank is seeking to optimize its capital structure and must decide between issuing Senior Non-Preferred debt or Tier 2 debt.

Which of the following correctly identifies the primary trade-off the bank face?

  1. Senior Non-Preferred is cheaper but does not count toward Tier 2 capital ratios
  2. There is no cost difference between the two since both instruments are fully bail-in-able
  3. Senior Non-Preferred debt is secured against the bank's pool of residential mortgage assets
  4. Tier 2 debt ranks senior to every other bondholder in the resolution waterfall

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