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Royal Bank of Canada is offering Accelerated Return Notes linked to the State Street Energy Select Sector SPDR ETF (XLE), maturing in March 2027. Each note has a $10 principal amount and provides a 300% leveraged upside to any increase in the ETF, but returns are capped at a Capped Value between $11.90 and $12.30 per unit, a gain of 19% to 23% over principal.
If the ETF ends at or above its starting level, you receive your principal plus leveraged, capped gains. If the ETF ends below its starting level, you lose the same percentage of principal as the ETF’s decline, up to a total loss. The notes pay no interest or dividends and do not give ownership in the ETF.
The notes are senior unsecured debt of RBC, not insured by Canadian or U.S. deposit insurers, and all payments depend on RBC’s credit. The public offering price is $10.00, but the initial estimated value is expected to be between $9.13 and $9.63 per unit, reflecting RBC’s internal funding rate, a $0.175 underwriting discount and a $0.05 per-unit hedging-related charge, which can reduce secondary market values.
Royal Bank of Canada is offering $1,600,000 of Capped Enhanced Return Buffer Notes linked to the MSCI EAFE® Index, maturing on June 28, 2027. The notes are issued at 100% of principal with proceeds of $1,600,000 to the bank and no underwriting commission, and have an initial estimated value of $994.74 per $1,000, which is lower than the public price.
At maturity, investors receive 150% of any positive index return, capped at a maximum return of 20.75%, for a maximum payment of $1,207.50 per $1,000. A 10% buffer protects against moderate index declines, but if the index falls more than 10%, principal is reduced so that investors can lose some or a substantial portion of their investment. The notes are unsecured debt subject to Royal Bank of Canada’s credit risk and involve complex U.S. tax treatment described as prepaid financial contracts, with potential for adverse future tax changes.
Royal Bank of Canada is offering market-linked, auto-callable principal-at-risk securities linked to the lower performer of Microsoft and NVIDIA common stock, maturing on January 19, 2029, with a $1,000 face amount per security.
The notes may be automatically called on January 22, 2027 if the lower-performing stock is at or above its starting value, paying back principal plus a call premium of at least 29% (at least $290 per security). If not called and the lower stock finishes above its starting value at maturity, holders receive $1,000 plus 200% of that stock’s positive return. If the lower stock ends between its starting value and a 50% threshold, investors receive only the $1,000 face amount.
If the lower stock ends below its 50% threshold, repayment is reduced one-for-one with the decline, and investors can lose more than half, up to all, of principal. The initial estimated value is expected between $894.50 and $944.50 per security, below the $1,000 offering price. The securities pay no interest, are unsecured obligations of Royal Bank of Canada subject to its credit risk, are not insured deposits, may have limited secondary market liquidity, and involve complex tax and valuation considerations.
Royal Bank of Canada is offering auto-callable contingent coupon barrier notes linked to the Bloomberg US Large Cap VolMax Index. The notes pay a contingent coupon of $12.50 per $1,000 in any month the index closes at or above the coupon threshold, which is set at 60% of the initial index value. This coupon rate corresponds to 1.25% per month, or 15.00% per year.
The notes can be automatically called quarterly, beginning about one year after the trade date, if the index is at or above its initial value; in that case, investors receive $1,000 per note plus the applicable coupon and no further payments. If the notes are not called and the final index value is at or above the 60% barrier, investors receive full principal back plus any coupon due. If the final index value is below the barrier, repayment is reduced one-for-one with the index loss, and investors can lose most or all of their principal.
The notes are unsecured debt of Royal Bank of Canada, not insured by any government agency. The initial estimated value is expected to be $895.00–$945.00 per $1,000, below the public offering price, reflecting fees, hedging costs and the issuer’s funding rate.
Royal Bank of Canada is offering auto-callable contingent coupon barrier notes linked to the Solactive Equal Weight U.S. Semi Conductor Select AR Index. The notes are issued at 100% of principal, with underwriting discounts of 1.00% and proceeds to the bank of 99.00% per note. Investors may receive a monthly contingent coupon of $10.833 per $1,000 (13.00% per annum) only if on the prior observation date the index is at or above 75% of its initial value.
The notes can be automatically called quarterly if the index is at or above its initial value, in which case investors receive $1,000 plus the applicable coupon and no further payments. If not called, at maturity on August 3, 2028 investors receive $1,000 if the final index value is at or above 70% of the initial value, but if it is below 70% they are fully exposed to the index loss and can lose most or all principal. The initial estimated value per $1,000 is expected to be between $915 and $965, below the public offering price, and all payments depend on Royal Bank of Canada’s credit. The document also explains complex U.S. federal tax treatment, including treatment as prepaid financial contracts and potential withholding for non-U.S. holders.
Royal Bank of Canada is issuing auto-callable contingent coupon barrier notes linked to the worst performer of the Dow Jones Industrial Average®, Nasdaq-100 Index® and Russell 2000® Index. The notes are offered at 100% of principal, for a total of $881,000, with underwriting discounts of 2.95% and proceeds to RBC of $855,010.50. The initial estimated value is $968.89 per $1,000, lower than the public price.
The notes pay a contingent coupon of $6.25 per $1,000 (0.625% per month, 7.50% per year) only if on each observation date all three indices are at or above 75% of their initial levels. The notes may be automatically called quarterly if each index is at least at its initial level, in which case investors receive principal plus the due coupon.
If not called, principal is protected at maturity only if the worst-performing index is at or above 65% 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 investment. Payments depend on RBC’s credit and involve complex tax and secondary market considerations.
Royal Bank of Canada is offering Auto-Callable Contingent Coupon Barrier Notes linked to the worst performer of the iShares U.S. Real Estate ETF, the Nasdaq-100 Index and the Russell 2000 Index. The total offering size is $751,000 at 100% of principal.
The Notes can pay a quarterly contingent coupon of 2.625% (10.50% per year) per $1,000 principal, but only if each underlier stays at or above 75% of its initial value on the observation dates. The Notes are automatically called, returning principal plus that quarter’s coupon, if all underliers are at or above their initial values on a call observation date.
If not called, principal is protected at maturity only while the worst underlier stays at or above 60% of its initial value; below that barrier, repayment is reduced one-for-one with the underlier loss, and investors can lose most or all of their money. The initial estimated value is $992.26 per $1,000, the Notes are unsecured obligations of RBC, and they carry complex U.S. tax treatment with principal and coupons subject to RBC’s credit risk.
Royal Bank of Canada is offering auto-callable contingent coupon barrier notes linked to the Bloomberg US Large Cap VolMax Index. The notes are issued at 100% of principal, with underwriting discounts and commissions of 4.00%, resulting in proceeds to the bank of 96.00% per note. The initial estimated value is expected to be between $863.50 and $913.50 per $1,000 principal amount, below the public offering price.
The notes pay a contingent coupon of $10.625 per $1,000 (about 1.0625% monthly, 12.75% annually) only when the index closes at or above a coupon threshold set at 60% of the initial index level. They are auto-callable quarterly if the index is at or above its initial level, in which case holders receive par plus the due coupon and the note terminates early.
If the notes are not called and the final index level on the January 27, 2031 valuation date is at or above the 60% barrier, investors receive full principal back plus any due coupon. If the final level is below the barrier, repayment is reduced in line with the index loss, down to a total loss of principal in extreme declines. All payments depend on Royal Bank of Canada’s credit.
Royal Bank of Canada is offering auto-callable contingent coupon barrier notes linked to the Solactive Equal Weight U.S. Semi Conductor Select AR Index. The notes pay a monthly contingent coupon of $9.167 per $1,000 (0.9167% per month, 11.00% per year) only when the index is at or above 75% of its initial value on the observation date.
The notes can be automatically called quarterly if the index is at or above its initial value, in which case investors receive $1,000 plus the coupon and no further payments. If the notes are not called and, at maturity in 2028, the index is at or above a 70% barrier, principal is repaid in full (with any coupon due). If the index ends below the 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 $900 and $950 per $1,000, below the public price, reflecting fees and hedging costs. Payments depend on RBC’s credit; the notes are not insured, and the U.S. tax treatment is described as prepaid financial contracts with associated coupons, with noted uncertainties.
Royal Bank of Canada is offering Enhanced Return Notes linked to the S&P 500 Market Agility 10 TCA 0.5% Decrement Index, a rules-based strategy that uses long/short equity and Treasury futures with a 10% volatility target and a 0.5% annual decrement fee.
The Notes have a Trade Date of January 7, 2026 and Maturity Date of January 10, 2031, a minimum investment of $1,000, and pay at maturity based on index performance: if the final index value is at or above the initial value, investors receive $1,000 plus 270% of the index gain; if it is below, they lose principal one-for-one with the index decline, up to total loss.
The price to the public is 100.00% of principal, with underwriting discounts of 1.00% and proceeds to RBC of 99.00%; the initial estimated value is expected to be between $900.00 and $950.00 per $1,000, reflecting internal funding and hedging costs. The index and its sub-indices are subject to ongoing fees, funding costs and transaction costs that reduce performance, and the Notes carry RBC credit risk. For U.S. tax purposes, counsel views them as prepaid financial contracts treated as open transactions, though this treatment is uncertain.