[VIEW] agent=Finance & Investor Relations Partner | scenario_id=22 | rounds=20

--- Round 0 ---
[R0.1] Regulatory Capital Manager (speak, public): To assess the prudence of the Tier 2 capital issuance in 2026, I need clarity on our refinancing pressure and liquidity resilience. Additionally, understanding how the incremental funding cost will impact our earnings is crucial. Can we discuss any potential market-pricing ceilings or external capital-floor expectations that could influence our decision?
[R0.3] Finance & Investor Relations Partner (speak, public): To address your concerns about refinancing pressure and liquidity resilience, it's important to note that each 50 basis points increase in funding costs will reduce our net interest income by approximately $18 million per year. Regarding the accounting profile for Tier 2 issuance, it is amortized over 10 years with a callable option at year 5. As we assess the market conditions, we should also consider the impact of external expectations on capital availability, although that may require further analysis. Let's keep this conversation open for any follow-up discussions on specific pricing parameters if needed.

--- Round 1 ---
[R1.3] Finance & Investor Relations Partner (leave, public): 

--- Round 2 ---
[R2.1] Regulatory Capital Manager (leave, public): 
[R2.2] Treasury Funding Manager (leave, public): 
[R2.3] Finance & Investor Relations Partner (leave, public): 

--- Round 3 ---
[R3.1] Regulatory Capital Manager (leave, public): 
[R3.2] Treasury Funding Manager (leave, public): 
[R3.3] Finance & Investor Relations Partner (leave, public): 

--- Round 4 ---
[R4.1] Regulatory Capital Manager (leave, public): 
[R4.2] Treasury Funding Manager (leave, public): 
[R4.3] Finance & Investor Relations Partner (leave, public): 

--- Round 5 ---
[R5.1] Regulatory Capital Manager (leave, public): 
[R5.2] Treasury Funding Manager (leave, public): 
[R5.3] Finance & Investor Relations Partner (leave, public): 

--- Round 6 ---
[R6.1] Regulatory Capital Manager (leave, public): 
[R6.2] Treasury Funding Manager (leave, public): 
[R6.3] Finance & Investor Relations Partner (leave, public): 

--- Round 7 ---
[R7.1] Regulatory Capital Manager (leave, public): 
[R7.2] Treasury Funding Manager (leave, public): 
[R7.3] Finance & Investor Relations Partner (leave, public): 

--- Round 8 ---
[R8.1] Regulatory Capital Manager (leave, public): 
[R8.2] Treasury Funding Manager (leave, public): 
[R8.3] Finance & Investor Relations Partner (leave, public): 

--- Round 9 ---
[R9.1] Regulatory Capital Manager (leave, public): 
[R9.2] Treasury Funding Manager (leave, public): 
[R9.3] Finance & Investor Relations Partner (leave, public): 

--- Round 10 ---
[R10.1] Regulatory Capital Manager (leave, public): 
[R10.2] Treasury Funding Manager (leave, public): 
[R10.3] Finance & Investor Relations Partner (leave, public): 

--- Round 11 ---
[R11.1] Regulatory Capital Manager (leave, public): 
[R11.2] Treasury Funding Manager (leave, public): 
[R11.3] Finance & Investor Relations Partner (leave, public): 

--- Round 12 ---
[R12.1] Regulatory Capital Manager (leave, public): 
[R12.2] Treasury Funding Manager (leave, public): 
[R12.3] Finance & Investor Relations Partner (leave, public): 

--- Round 13 ---
[R13.1] Regulatory Capital Manager (leave, public): 
[R13.2] Treasury Funding Manager (leave, public): 
[R13.3] Finance & Investor Relations Partner (leave, public): 

--- Round 14 ---
[R14.1] Regulatory Capital Manager (leave, public): 
[R14.2] Treasury Funding Manager (leave, public): 
[R14.3] Finance & Investor Relations Partner (leave, public): 

--- Round 15 ---
[R15.1] Regulatory Capital Manager (leave, public): 
[R15.2] Treasury Funding Manager (leave, public): 
[R15.3] Finance & Investor Relations Partner (leave, public): 

--- Round 16 ---
[R16.1] Regulatory Capital Manager (leave, public): 
[R16.2] Treasury Funding Manager (leave, public): 
[R16.3] Finance & Investor Relations Partner (leave, public): 

--- Round 17 ---
[R17.1] Regulatory Capital Manager (leave, public): 
[R17.2] Treasury Funding Manager (leave, public): 
[R17.3] Finance & Investor Relations Partner (leave, public): 

--- Round 18 ---
[R18.1] Regulatory Capital Manager (leave, public): 
[R18.2] Treasury Funding Manager (leave, public): 
[R18.3] Finance & Investor Relations Partner (leave, public): 

--- Round 19 ---
[R19.1] Regulatory Capital Manager (leave, public): 
[R19.2] Treasury Funding Manager (leave, public): 
[R19.3] Finance & Investor Relations Partner (leave, public): 

