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Royal Bank of Canada plans to issue Redeemable Fixed Rate Notes due October 31, 2029. The Notes pay a fixed 4.05% per annum, with interest paid annually on October 31, beginning October 31, 2026. Payments are subject to the issuer’s credit risk.
The Notes are callable at the issuer’s option, in whole but not in part, on any Interest Payment Date starting October 31, 2026, with 10 business days’ prior written notice. Minimum investment is $1,000 and in $1,000 increments, using a 30/360 day count convention.
The public offering price is 100.00% of principal, though certain accounts may pay as low as $987.50 per $1,000 principal amount. Underwriting discounts may be up to $12.50 per $1,000. These are bail-inable notes under Canadian law, which may be converted into equity in a resolution scenario.
Royal Bank of Canada priced a $994,000 offering of Senior Global Medium‑Term Notes, Series J, structured as market‑linked, auto‑callable securities tied to the lowest performing of Goldman Sachs (GS), Microsoft (MSFT) and Netflix (NFLX). Each security has a $1,000 face amount, an initial estimated value of $962.66, and pays no interest. The notes may auto‑call on October 16, 2026 for face value plus a 45% call premium if the lowest performing stock is at or above its starting value.
If not called, at maturity on October 13, 2028 investors receive: face plus leveraged upside at a 200% participation rate if the lowest stock is above its start; face amount if it is between the start and a 60% threshold; or a loss matching the negative return if it is below the threshold. The securities are unsecured obligations of RBC, subject to issuer credit risk, will not be listed, and are not FDIC/CDIC insured or bail‑inable.
Pricing economics: per security, original offering price $1,000.00, agent discount $25.75, and proceeds to RBC $974.25. Distributor: Wells Fargo Securities.
Royal Bank of Canada filed a 424(b)(2) preliminary pricing supplement for Auto-Callable Contingent Coupon Barrier Notes linked to Uber Technologies, Inc. common stock, due November 30, 2026. The Notes pay a contingent coupon of $10.50 per $1,000 (1.05% monthly; 12.60% per annum) only if the Underlier closes at or above the Coupon Threshold on the prior observation date.
The Notes can be automatically called if, on any monthly call observation date starting April 24, 2026, Uber’s closing value is at or above the Initial Underlier Value. If called, holders receive $1,000 plus the coupon on the next payment date, with no further payments.
If not called, at maturity investors receive $1,000 if the Final Underlier Value ≥ Barrier (67% of Initial); otherwise they receive physical delivery of Uber shares equal to $1,000 ÷ Initial Underlier Value (cash for fractions), which may be worth significantly less than principal. All payments are subject to RBC’s credit risk.
Pricing indicates a price to public of 100%, underwriting discounts of 1.50%, and proceeds to RBC of 98.50%. The initial estimated value is expected between $917 and $967 per $1,000, below the public offering price.
Royal Bank of Canada is offering Digital Notes linked to the Russell 2000 Index. The total offering is $2,782,000 at 100.00% of face value, with underwriting discounts of 2.00% ($55,640) and proceeds to RBC of $2,726,360. Minimum investment is $1,000.
The Notes pay a 14.85% Digital Return per $1,000 at maturity if the Final Underlier Value is greater than or equal to the Initial Underlier Value. If the Final Underlier Value is lower, investors receive $1,000 plus the Underlier Return, which can result in loss of principal. The Initial Underlier Value is 2,394.595 (RTY). All payments are subject to RBC’s credit risk.
Key dates: Trade Date October 10, 2025, Issue Date October 16, 2025, Valuation Date October 16, 2026, Maturity Date October 21, 2026 (each subject to postponement). The initial estimated value is $969.41 per $1,000, below the public offering price. The Notes are unsecured, not insured, and not bail-inable.
Royal Bank of Canada is offering $9,100,000 of Auto-Callable Contingent Coupon Barrier Notes with Memory Coupon linked to the Bloomberg US Large Cap VolMax Index, due October 16, 2030. The notes pay a contingent coupon of $9.375 per $1,000 (0.9375% monthly; 11.25% per annum) when the Underlier closes at or above the Coupon Threshold, set at 60% of the initial value. They may be auto-called monthly beginning October 12, 2026 if the Underlier is at or above its initial value.
At maturity, if not called, investors receive $1,000 per note if the final Underlier value is at or above the Barrier of 40% of the initial value; otherwise the payoff equals $1,000 plus $1,000 × Underlier Return, risking substantial principal loss. Price to public: 100%; underwriting discount: 1%; proceeds to RBC: $9,009,000. The initial estimated value is $958.14 per $1,000. Payments depend on RBC’s credit and the notes are not insured or bail-inable.
Royal Bank of Canada is offering Issuer Callable Contingent Coupon Barrier Notes linked to the SPDR S&P Regional Banking ETF (KRE). The notes pay a contingent coupon of $37.50 per $1,000 if KRE’s closing value is at or above the Coupon Threshold on each quarterly observation date.
The Initial Underlier Value is $63.41, with the Coupon Threshold and Barrier each at 73.30% of that level ($46.48). RBC may call the notes on any quarterly call date, returning $1,000 plus any coupon due. If not called, at maturity investors receive $1,000 if KRE is at or above the Barrier; otherwise, they receive $1,000 + ($1,000 × Underlier Return), which can result in substantial principal loss.
Key economics: price to public 100%, underwriting discount 1.042% (i.e., $10.42 per $1,000), and proceeds to RBC 98.958%. The initial estimated value is expected between $929 and $979 per $1,000. Dates: Trade October 20, 2025, Issue October 23, 2025, Valuation November 16, 2026, Maturity November 19, 2026.
Royal Bank of Canada is offering Capped Enhanced Return Buffer Notes linked to the EURO STOXX 50 Index. The total offering is $1,205,000, with underwriting discounts of 2.35% ($28,317.50) and proceeds to RBC of $1,176,682.50. The initial estimated value is $970.04 per $1,000, reflecting fees and hedging costs. Minimum investment is $1,000.
The notes provide 200% participation in positive index returns, subject to a 21.30% maximum return (cap), for a maximum payment of $1,213 per $1,000 at maturity. A 15% downside buffer applies: full principal is returned if the index ends at or above 85% of its initial value; below that level, losses exceed the buffer. Key levels: initial value 5,531.32, buffer value 4,701.62.
Key dates: Trade Oct 10, 2025, Issue Oct 16, 2025, Valuation Oct 11, 2027, Maturity Oct 14, 2027. Payments depend on RBC’s credit. Tax counsel views the notes as prepaid financial contracts, with alternative outcomes possible. Secondary market values may be lower than the initial estimated value, and liquidity and bid/ask spreads may be significant.
Royal Bank of Canada filed a Form 6-K reporting the issuance of two NVCC capital instruments. The bank issued 6.500% Limited Recourse Capital Notes, Series 7 (subordinated, non-viability contingent capital) due November 24, 2085, and Non-Cumulative 5-Year Fixed Rate Reset First Preferred Shares, Series BZ (also NVCC). The filing includes legal opinions from Osler, Hoskin & Harcourt LLP on corporate and Canadian federal income tax matters and related exhibits tied to the bank's shelf registration on Form F-3 (File No. 333-275898).
