Who absorbs a bank loss calculator

Who absorbs a bank loss, in order.

Interactive: who absorbs a bank lossMedium

Losses fall through the capital stack in order. Enter a loss and see where it stops.

Loss to absorb $m Common equity $m AT1 $m Tier 2 $m Senior bail-in-able $m

Equity: —
AT1: —
Tier 2: —
Senior: —
Depositors: —
Reading: —

The ordering is the design and the design mostly holds — but 2023 showed that a resolution under emergency powers follows the instrument's own documents and the local statute, not the textbook waterfall. See CoCo bonds for what the AT1 layer actually promises.

The idea behind it

This calculator belongs to Regulation & Investor Protection, where the mechanism it computes is explained step by step, with the formula, what each input means and where the simple model stops being right. Everything is computed in your browser; nothing you type is sent anywhere.

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The same in full — six points, and why each one matters

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