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Royal Bank of Canada is offering three Enhanced Return Notes linked to the S&P 500 Market Agility 10 TCA 0.5% Decrement Index. Each note has a $1,000 minimum denomination and offers enhanced upside participation if the index rises, while repaying only principal if the index is flat or lower at maturity.
The three CUSIPs mature in 2029, 2030 and 2031, with participation rates of 110%, 140% and 165%, respectively. Initial estimated values per $1,000 are expected to range from $898.00–$964.00, below the 100% public offering price, reflecting underwriting discounts, referral fees and hedging costs.
The complex underlier uses a 10% volatility target, long/short equity and Treasury futures exposure, and multiple fees and transaction costs that reduce index performance. The notes are unsecured RBC debt subject to RBC credit risk, are not insured or bail-inable, and are expected to be treated as contingent payment debt instruments for U.S. federal income tax purposes, requiring accrual of interest income based on a comparable yield.
Royal Bank of Canada is issuing Enhanced Return Notes linked to the S&P 500 Market Agility 10 TCA 0.5% Decrement Index, maturing on January 4, 2029. The notes are unsecured RBC debt and are not insured by Canadian or U.S. deposit insurance agencies and are not bail-inable.
Investors pay 100% of principal and RBC receives 99% after underwriting discounts. For each $1,000 note held to maturity, if the index finishes above its initial level, investors receive $1,000 plus 110% of the index gain; if the index is flat or lower, investors receive only the $1,000 principal back, with no extra return. All payments depend on RBC’s credit.
The initial estimated value is expected to be between $900 and $950 per $1,000, reflecting internal funding, hedging costs and fees. The complex underlier uses volatility targeting, long/short equity and Treasury futures, and applies a 0.5% annual decrement plus additional transaction and funding costs that will reduce index performance over time. U.S. tax treatment is expected as contingent payment debt instruments, requiring annual income accruals.
Royal Bank of Canada is offering Auto-Callable Contingent Coupon Barrier Notes with Memory Coupon linked to the common stock of Best Buy Co., Inc. The total price to the public is $1,000,000, with proceeds to Royal Bank of Canada of $990,000 after underwriting discounts. Each Note has a $1,000 principal amount and may pay a contingent coupon of $36.90 per $1,000 quarterly if Best Buy’s stock closes at or above the coupon threshold on the observation dates.
The Initial Underlier Value is $71.76, and both the coupon threshold and barrier are set at $46.64, equal to 65% of that value. The Notes are automatically called if, on any call observation date, the stock closes at or above the Initial Underlier Value, in which case investors receive $1,000 plus the applicable coupon and any unpaid coupons. If the Notes are not called and the final stock value is below the barrier, repayment of principal is reduced one-for-one with the stock’s decline, and investors could lose their entire investment. All payments depend on Royal Bank of Canada’s credit.
Royal Bank of Canada is offering $13,913,000 of Return Notes with Variable Coupons linked to an equally weighted basket of 18 Raymond James Analysts’ Best Picks® for 2026. The notes are issued at 100% of principal, with underwriting discounts of 1.25% and proceeds to the bank of 98.75% of the offering amount.
The notes pay variable quarterly coupons based on dividends from the basket and repay at maturity an amount per $1,000 equal to $1,000 × (1 + Basket Return) × a 97.80% note adjustment factor. Because of this adjustment factor, investors can lose some or all of their principal if the basket does not rise by at least about 2.25%. The initial estimated value is $974.51 per $1,000, below the public offering price, and all payments depend on Royal Bank of Canada’s credit and complex U.S. tax treatment.
Royal Bank of Canada is offering three Enhanced Return Notes linked to the S&P 500 Market Agility 10 TCA 0.5% Decrement Index. Each note is a senior unsecured debt security with a different maturity and participation rate of 105%, 135% or 160% of any positive index return. At maturity, investors receive their $1,000 principal per note plus the participation rate on any index gain; if the index is flat or down, they receive only the principal amount, with no additional return.
The underlier is a complex, rules-based index targeting 10% volatility and applying a 0.5% annual decrement fee, transaction costs and funding costs that systematically reduce performance. Initial estimated values per $1,000 principal (such as $962.49) are below the public offering price, reflecting dealer compensation, hedging and the bank’s lower internal funding rate. The notes are not insured, depend entirely on RBC’s credit, may be hard to sell before maturity and are treated as contingent payment debt instruments for U.S. tax purposes.
Royal Bank of Canada is issuing $490,000 of Auto-Callable Contingent Coupon Barrier Notes linked to the Solactive Equal Weight U.S. Semi Conductor Select AR Index, maturing on June 23, 2028. The notes pay a contingent coupon of $11.667 per $1,000 (about 1.1667% per month, 14.00% per year) only when the index closes at or above the Coupon Threshold of 75% of the initial value on the relevant observation date. 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 the applicable coupon 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 the Barrier Value of 70% of the initial level; below this barrier, repayment is reduced one-for-one with the index decline, and investors can lose most or all of their principal. The initial estimated value is $986.06 per $1,000, below the public offering price, reflecting internal funding and hedging costs. The notes are unsecured debt of Royal Bank of Canada, are not insured by Canadian or U.S. deposit insurers, and carry complex market, credit, and tax risks.
Royal Bank of Canada is issuing $1,478,000 of Auto-Callable Contingent Coupon Barrier Notes linked to the least performing of the Nasdaq-100, Russell 2000 and S&P 500 indices, maturing on December 22, 2028. The notes pay a contingent coupon of $7.583 per $1,000 (0.7583% per month, 9.10% per annum) only if on the relevant observation date each index is at or above 70% of its initial value, and they may be automatically called monthly starting June 22, 2026 if all indices are at or above their initial levels, in which case investors receive $1,000 plus the coupon. If the notes are not called and the worst-performing index finishes at or above 60% of its initial value, investors receive full principal back (with any coupon); if it finishes below 60%, repayment is reduced one-for-one with the index loss, up to total loss of principal. The price to the public is 100% of principal, with a 0.65% underwriting discount and proceeds to Royal Bank of Canada of 99.35%, and the initial estimated value is $987.59 per $1,000, below the public offering price.
Royal Bank of Canada is offering Return Notes with Variable Coupons linked to an equally weighted basket of 18 Raymond James Analysts’ Best Picks® equities, with a total public offering of $4,709,000.
The Notes mature on December 28, 2026 and pay a maturity amount per $1,000 of $1,000 × (1 + Basket Return) × 99.05%, so returns move one‑for‑one with the basket but are scaled by the 99.05% Note Adjustment Factor. Investors can receive variable coupons based on dividends and other distributions paid by each stock in the basket, adjusted for taxes and averaging conventions.
The initial estimated value is $986.97 per $1,000 principal amount, below the public offering price, reflecting structuring and hedging costs. Hypothetical examples show that if the basket falls, investors can lose some or all of their principal. The filing also highlights complex U.S. tax treatment, including potential constructive ownership rules and Section 871(m) withholding for non‑U.S. holders.
Royal Bank of Canada is offering an estimated $1,146,000 in Auto-Callable Enhanced Return Barrier Notes linked to an equally weighted basket of Bank of America, Citigroup, Goldman Sachs, Morgan Stanley and Wells Fargo stock. The notes may be automatically called on January 4, 2027 if the basket is at or above its initial value, paying $1,155 per $1,000 of principal (115.50%) and then terminating.
If not called, investors at maturity receive enhanced upside with a 150% participation rate on any basket gains, full principal back if the basket is flat to down but not below a 70% barrier, and one-for-one losses below that barrier, which can result in a substantial or total loss of principal. The initial estimated value is $982.94 per $1,000, below the public offering price, reflecting dealer compensation, hedging costs and RBC’s lower internal funding rate, and all payments depend on RBC’s credit.
Royal Bank of Canada is offering Capped Enhanced Return Buffer Notes linked to the S&P 500 Index, with a total offering size of $2,425,000 at 100% of principal. These Notes run from a Trade Date of December 22, 2025 to a Maturity Date of June 25, 2027 and provide enhanced upside exposure to the index with limited downside protection.
Per $1,000 of principal, investors receive 150% of any positive S&P 500 return, capped at a Maximum Return of 17.90%, so the maximum payment at maturity is $1,179. A 10% buffer means principal is fully protected if the index falls by up to 10%, but losses begin dollar-for-dollar beyond that, and investors could lose a substantial portion of principal. The initial estimated value is $998 per $1,000, reflecting structuring and hedging costs, and all payments depend on Royal Bank of Canada’s credit.