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Royal Bank of Canada is offering Auto-Callable Enhanced Return Barrier Notes linked to an equally weighted basket of five large U.S. bank stocks: Bank of America, Citigroup, Goldman Sachs, Morgan Stanley and Wells Fargo.
The Notes pay a price to the public of 100% of principal, with underwriting discounts of 1% and proceeds to Royal Bank of Canada of 99% of the principal amount. They may be automatically called in February 2027 if the basket is at or above its initial value, in which case investors receive at least $1,150 per $1,000 of principal and no further payments.
If not called, the Notes mature in February 2029. At maturity, investors participate 150% in any positive basket return, receive full principal back if the basket is down but above a barrier set at 70% of the initial basket value, and suffer one-for-one losses if the basket finishes below this barrier. The initial estimated value is expected to be between $923.50 and $973.50 per $1,000, reflecting hedging and distribution costs, and all payments are subject to Royal Bank of Canada’s credit risk.
Royal Bank of Canada is offering three separate Capped Enhanced Return Buffer Notes linked individually to the Nasdaq-100, Russell 2000 and S&P 500 indices, maturing on February 3, 2028. Each $1,000 note offers 150% participation in any positive index return, subject to a maximum return that is expected to range from about 20.5% to 29% depending on the index and will be set on the trade date. If the linked index falls by up to 10%, investors receive full principal at maturity; if it falls by more than 10%, principal is reduced so investors can lose a substantial amount of their investment. The notes are issued at 100% of principal, with dealer compensation of about 1% and proceeds to Royal Bank of Canada of about 99%, and their initial estimated value is expected to be below the public offering price. Payments depend on Royal Bank of Canada’s ability to meet its obligations.
Royal Bank of Canada is offering Capped Return Dual Directional Buffer Notes linked to the S&P 500 Index. The Notes are priced at 100% of principal, with underwriting discounts and commissions of 2.25%, resulting in proceeds to Royal Bank of Canada of 97.75% of the principal amount. The minimum investment is $1,000.
The Notes offer 100% participation in the S&P 500 return, subject to a Maximum Upside Return of 18%, so the maximum payment at maturity if the index rises is $1,180 per $1,000. They include a 10% buffer; if the index ends between 90% and 100% of its initial level, investors receive the positive "dual directional" return equal to the index’s absolute move, capped at 10%. If the index falls more than 10%, principal is reduced beyond the buffer and investors can lose a substantial portion of their investment.
The initial estimated value is expected to be between $915 and $965 per $1,000, below the public offering price, reflecting internal funding rates, hedging costs, and selling compensation. All payments depend on Royal Bank of Canada’s credit and the product carries complex tax and market risks.
Royal Bank of Canada is offering Enhanced Return Notes linked to the S&P 500 Market Agility 10 TCA 0.5% Decrement Index. The Notes pay back principal at maturity and provide 105% participation in any positive index return, so if the index rises, investors earn an enhanced upside, and if it is flat or negative, they receive $1,000 per $1,000 note, subject to issuer credit risk.
The index is a rules-based strategy using a synthetic 70/30 equity–Treasury futures portfolio with a 10% volatility target and multiple embedded fees, including a 0.5% annual decrement, transaction costs and funding costs, all of which reduce performance. Initial estimated value is expected between $897 and $947 per $1,000, below the public price, reflecting hedging costs, fees and RBC’s funding rate, and the Notes are expected to be treated as contingent payment debt instruments for U.S. tax purposes.
Royal Bank of Canada is offering unsecured Enhanced Return Notes that pay at maturity based on the S&P 500 Market Agility 10 TCA 0.5% Decrement Index. The notes run from a trade date of January 27, 2026 to maturity on January 30, 2031.
At maturity, investors receive their $1,000 principal plus upside equal to 140% of any positive index return. If the index finishes at or below its initial level, investors receive only their principal back, so there is no downside participation at maturity but no coupons during the term. The price to the public is 100% of principal, with underwriting discounts of 4%, so proceeds to Royal Bank of Canada are 96% of principal.
The initial estimated value is expected between $879 and $929 per $1,000, reflecting structuring and hedging costs. The underlier is a complex, rules-based index with a 10% volatility target, a 0.5% annual decrement and multiple transaction and funding costs that systematically reduce performance, and the notes are treated as contingent payment debt instruments for U.S. federal tax purposes.
Royal Bank of Canada is offering Auto-Callable Contingent Coupon Barrier Notes linked to the least-performing of Applied Materials, Caterpillar and Eli Lilly common stocks. The Notes are priced at 100% of principal, for a total offering of $1,175,000, with underwriting discounts of 0.60% and proceeds to the bank of 99.40%.
Investors may receive a contingent coupon of $16.083 per $1,000 (1.6083% monthly, 19.30% per annum) on each coupon date if every underlier closes at or above 70% of its initial value. The Notes are automatically called if, on any call observation date, each underlier is at or above its initial value, paying $1,000 plus the coupon, with no further payments.
If not called, maturity repayment depends on the worst underlier. If the least-performing is at or above 50% of its initial value, principal is returned (with a coupon only if the 70% threshold is met). Below 50%, principal is reduced one-for-one with the underlier loss, and investors can lose all principal. The initial estimated value is $993.39 per $1,000, below the public price, reflecting funding and hedging costs. The Notes carry significant market, structural, credit and tax risks.
Royal Bank of Canada is offering Capped Return Notes linked to the S&P 500® Index with a total offering size of $370,000 at 100.00% of principal. The notes run from a trade date of December 30, 2025 to a maturity date of July 3, 2030, and pay at least the $1,000 principal at maturity, even if the index falls. If the index finishes above its initial level of 6,896.24, investors receive 100% of the index gain, but returns are capped at a Maximum Return of 34%, for a maximum payment of $1,340 per $1,000 note.
The initial estimated value is $979.46 per $1,000, below the purchase price, reflecting structuring and hedging costs. The notes are unsecured debt of Royal Bank of Canada, are not insured by deposit insurers, and expose holders to the bank’s credit risk, limited liquidity in any secondary market, and complex U.S. tax treatment as contingent payment debt instruments.
Royal Bank of Canada is offering two Capped Enhanced Return Buffer Notes linked separately to the Nasdaq‑100 Index and the Russell 2000 Index. Each note offers 150% participation in positive index performance up to a specified maximum return range and provides a 10% downside buffer; if index losses exceed 10%, investors lose principal in line with further declines.
The notes are unsecured senior debt of Royal Bank of Canada, so all payments depend on the bank’s credit. The initial estimated value per $1,000 will be lower than the public offering price, reflecting dealer compensation and hedging costs, and any secondary market is expected to involve wide bid‑ask spreads and possible sales at a substantial discount. U.S. tax counsel currently views the notes as prepaid financial contracts, but this treatment is uncertain and could change, and non‑U.S. holders are cautioned about potential withholding under Section 871(m).
Royal Bank of Canada is offering Capped Enhanced Return Dual Directional Buffer Notes linked to the VanEck Gold Miners ETF. The Notes are unsecured debt that pay at maturity based on the ETF’s performance, with a 20% downside buffer and a 200% participation rate on gains, subject to a maximum upside return of at least 45%, to be set on the trade date.
If the ETF rises, investors receive enhanced upside up to the cap; if it falls but not more than 20%, investors gain the absolute value of the decline; if it falls beyond 20%, principal is reduced and a substantial loss is possible. The price to the public is 100% of principal, with 2.50% underwriting discounts and 97.50% proceeds to Royal Bank of Canada. The initial estimated value is expected between $886.11 and $936.11 per $1,000, reflecting fees and hedging costs. U.S. tax counsel expects treatment as prepaid financial contracts, but notes uncertainty and potential application of the constructive ownership and Section 871(m) regimes.
Royal Bank of Canada is offering auto-callable contingent coupon barrier notes with a memory coupon feature linked to the Bloomberg US Large Cap VolMax Index, maturing January 14, 2031. The notes are priced at 100% of principal, with underwriting discounts of 0.60% and proceeds to RBC of 99.40%.
Investors may receive monthly contingent coupons of $11.50 per $1,000 (1.15% per month, 13.80% per year) only if the index is at or above 70% of its initial level on the relevant observation date; missed coupons can be paid later if conditions are met. Starting about two years after trade date, if on a call observation date the index is at or above its initial level, the notes are automatically redeemed at $1,000 plus due coupons.
If not called, principal is protected only if the final index value is at or above 60% of its initial level; below that barrier, repayment is reduced one-for-one with the index loss, and investors can lose most or all of their principal. The underlying index uses volatility targeting (100%–500% exposure), daily leverage and deductions including a 6% annual factor, notional financing at SOFR plus 0.50%, and transaction costs, all of which can significantly drag on performance. The initial estimated value is expected to be $900–$950 per $1,000, below the public offering price.