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Royal Bank of Canada is offering redeemable fixed rate senior notes with a total offering of $13,242,000. The Notes pay interest at 4.30% per annum, with semiannual payments each June and December, starting June 30, 2026, and are scheduled to mature on December 31, 2030 if not redeemed earlier.
The Notes are callable at the bank’s option, in whole but not in part, on the December 31, 2027 interest payment date and on each interest payment date thereafter, at par plus the applicable interest payment. Investors bear the issuer’s credit risk and must also accept that the Notes are bail-inable under Canadian law, meaning they can be converted into common shares or written down in a resolution scenario. The price to the public is 100% of principal, with underwriting discounts of 0.54%, and proceeds to Royal Bank of Canada of 99.46% of principal.
Royal Bank of Canada is offering Dual Directional Trigger PLUS notes linked to the iShares® Silver Trust, maturing May 5, 2027. These principal-at-risk securities pay no interest and all payments depend on the performance of the SLV ETF and RBC’s credit.
If the ETF rises, investors receive $1,000 plus 200% of the ETF gain, capped at a maximum payment of $1,536 per note (153.60% of principal. If the ETF falls but stays at or above 80% of its initial level, investors get back $1,000 plus an unleveraged positive return equal to the percentage decline, up to a 20% gain.
If the ETF closes below 80% of its initial level on the valuation date, repayment is reduced 1-for-1 with the ETF loss, and investors can lose more than 20% and up to all of their principal. The notes are unsecured senior debt of Royal Bank of Canada, will not be listed on any exchange, and their initial estimated value is expected to be between $903 and $953 per note, below the $1,000 public offering price.
Royal Bank of Canada is issuing $3,817,000 of Trigger Autocallable Contingent Yield Notes linked to the common stock of Schlumberger N.V. (SLB), maturing on January 4, 2027. The notes pay an 11.25% per annum contingent coupon, but only for quarters when Schlumberger’s closing share price on the observation date is at or above the coupon barrier of $26.53, which is 70% of the $37.90 initial share value. The notes are automatically called if on any quarterly call observation date the share price is at or above the initial value, returning the $10 principal per note plus that quarter’s coupon. If not called, investors receive full principal back at maturity only if the final share value is at or above the same $26.53 downside threshold; otherwise the maturity payment is $10 plus $10 times the stock’s return, which can reduce principal by up to 100%. All payments depend on Royal Bank of Canada’s credit, and the notes will not be listed on any securities exchange.
Royal Bank of Canada is offering $870,000 of senior unsecured Market Linked Securities tied to the lowest performing of ASML Holding N.V. and Eli Lilly and Company, maturing December 29, 2028.
The notes pay a quarterly contingent coupon of 17.65% per annum only if the lowest performing stock on each calculation day is at or above 70% of its starting value, with a “memory” feature that can repay missed coupons later. From June 2026 to September 2028, the notes are auto-callable at par plus due coupons if the lowest stock closes at or above its starting value.
If not called, investors receive full principal only if the lowest stock on the final calculation day is at or above 70% of its starting value; otherwise principal is reduced one-for-one with that stock’s decline and can fall to zero. The initial estimated value is $973.08 per $1,000 note, below the issue price, and the notes carry RBC credit risk with no exchange listing.
Royal Bank of Canada is offering Performance Leveraged Upside Securities (PLUS), senior unsecured notes linked to the S&P 500® Index, maturing on May 5, 2027. The PLUS pay no interest and do not protect principal. At maturity, if the index is at or above its initial level, investors receive $1,000 plus 300% of the index gain, capped at a maximum payment of $1,140 per note (114% of principal). If the index is below its initial level, the payoff is $1,000 plus the full index return, so losses match the index decline on a 1:1 basis and can reach a total loss.
The public offering price is $1,000 per PLUS, while the initial estimated value is expected between $923.80 and $973.80, reflecting fees, hedging costs and Royal Bank of Canada’s funding rate. The notes are distributed through RBC Capital Markets and Morgan Stanley Wealth Management, will not be listed on an exchange, and are subject to the credit risk of Royal Bank of Canada. The filing also outlines U.S. and Canadian tax considerations and notes that future IRS or legislative action could change tax treatment.
Royal Bank of Canada is issuing $182,000 of Auto-Callable Contingent Coupon Barrier Notes linked to the Bloomberg US Large Cap VolMax Index, maturing on December 31, 2030. The notes pay a contingent coupon of $10.417 per $1,000 (1.0417% monthly, 12.50% per annum) for each month the index closes at or above the coupon threshold, set at 60% of the initial index value of 17,267.59.
The notes can be automatically called quarterly if the index is at or above its initial level, in which case investors receive $1,000 plus the applicable coupon and no further payments. If held to maturity and not called, principal is fully returned only if the final index value is at or above the 60% barrier; below that level, repayment is reduced in line with the index loss, and investors can lose most or all of their principal. The initial estimated value is $909.65 per $1,000, below the public offering price, and extensive daily deductions and leverage in the index can significantly weigh on performance.
Royal Bank of Canada is offering $10,300,000 of senior Market Linked Securities that are auto-callable notes tied to the worst performer of the Dow Jones Industrial Average and the S&P 500 Index, maturing December 31, 2029. Each $1,000 security pays a fixed coupon at a rate of 5.85% per annum, with quarterly payments until the notes are automatically called or reach maturity. The notes may be automatically called quarterly from December 2026 through September 2029 if the lowest performing index is at or above 105% of its starting value, returning principal plus a final coupon. If not called, principal is repaid at maturity only if the lowest performing index is at or above 75% of its starting value; below that level, investors are fully exposed to index declines and can lose more than 25%, up to all of principal. The initial estimated value is $982.24 per $1,000 security, and all payments are subject to Royal Bank of Canada’s credit risk.
Royal Bank of Canada is offering auto-callable contingent coupon barrier notes with a memory coupon linked to the Bloomberg US Large Cap VolMax Index, maturing on February 4, 2031. The notes pay a contingent coupon of $10 per $1,000 (1.00% per month, 12.00% per year) only if, on the relevant observation date, the index is at or above 60% of its initial level. Missed coupons can be paid later if conditions are met. The notes are automatically called if, on a quarterly call observation date, the index is at or above its initial level, in which case investors receive $1,000 plus due coupons and no further payments.
If the notes are not called, principal is protected at maturity only if the final index value is at or above a 50% barrier; below this barrier, repayment is reduced one-for-one with the index loss, and investors can lose most or all of their principal. The initial estimated value is expected between $896.50 and $946.50 per $1,000, reflecting fees, hedging costs and RBC’s funding rate. The index itself embeds daily deductions, including a 6% per annum factor, a notional financing cost based on SOFR plus 0.50%, and transaction costs, all of which can significantly drag performance. U.S. tax counsel currently views the notes as prepaid financial contracts with coupons taxed as ordinary income, but this treatment is uncertain.
Royal Bank of Canada is offering Accelerated Return Notes linked to the S&P 500 Index, with a $10 principal amount per unit and a term of approximately 14 months, maturing in March 2027. The notes provide 300% participation in any increase of the index, up to a capped value between $11.025 and $11.425 per unit, equal to a return of 10.25% to 14.25%. If the index is unchanged at maturity, investors receive their $10 principal amount. If the index falls, repayment is reduced 1‑for‑1 and investors can lose all of their principal. The notes pay no interest, are unsecured senior debt of RBC, and all payments are subject to RBC’s credit risk. The public offering price is $10.00 per unit, including an underwriting discount of $0.175 and a hedging-related charge of $0.05, and the initial estimated value is expected to range from $9.20 to $9.70 per unit.
Royal Bank of Canada is offering Autocallable Strategic Accelerated Redemption Securities® linked to an international equity index basket at $10 per unit. These senior unsecured notes can be automatically called after approximately one, two, or three years if the basket value is at or above the starting value, paying per-unit call amounts of $10.825–$10.925 on the first observation date, $11.650–$11.850 on the second, or $12.475–$12.775 on the final date. If the notes are never called and the ending basket value is below the threshold (set equal to the starting value), investors have 1‑for‑1 downside exposure and can lose all or part of their principal. The basket combines six major equity indices with set weights, pays no periodic interest, includes a $0.20 underwriting discount and $0.05 hedging charge per unit, and has an initial estimated value of $9.10–$9.60 per unit, all subject to RBC’s credit risk.