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// definition

AT1

Additional Tier 1

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Bank capital & regulation

Short definition

Additional Tier 1 regulatory capital. Subordinated, perpetual instruments whose distributions can be cancelled and whose principal can be converted or written down under the applicable terms. Tier 1 combines CET1 and AT1, with different loss-absorption mechanisms.

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Knowledge map

Intuition

Cancelling a coupon retains liquidity; conversion or principal writedown absorbs losses under the instrument’s terms.