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Royal Bank of Canada is offering auto-callable contingent coupon buffer notes linked to the worst-performing of Alphabet Class C, Meta Class A and Tesla common stock. The notes pay a contingent coupon of $14.417 per $1,000 each month (about 1.4417% monthly, 17.30% per year) only if on the observation date each stock is at or above 60% of its initial value. If on a quarterly call observation date all three stocks are at or above their initial values, the notes are automatically called and repay $1,000 plus the coupon, with no further payments.
At maturity, if not called, investors receive $1,000 per note if the worst-performing stock is at or above 75% of its initial value. Below this 25% buffer, principal is reduced 1-for-1 with further declines, so losses can be substantial, as low as $250 per $1,000 if one stock falls 100%. The initial estimated value is expected to be $900–$950 per $1,000, below the public offering price, and all payments are subject to Royal Bank of Canada’s credit risk.
Royal Bank of Canada is issuing $2,136,000 of Capped Return Dual Directional Buffer Notes linked to the S&P 500® Index, maturing on December 23, 2027. These notes offer 100% participation in index gains up to a maximum upside return of 18%, so the most an investor can receive at maturity if the index rises is $1,180 per $1,000 of principal.
If the index falls but not by more than the 15% buffer, investors gain the same percentage as the decline, up to 15%. If the index drops beyond the buffer, principal is reduced so that losses exceed 15% and can reach a payment as low as $150 per $1,000 if the index falls 100%. The initial estimated value is $980.14 per $1,000, below the public price, reflecting dealer compensation and hedging costs, and all payments depend on RBC’s credit. The notes are treated as prepaid financial contracts for U.S. tax purposes, with complex and potentially changing tax consequences.
Royal Bank of Canada is issuing $832,000 of Capped Enhanced Return Buffer Notes linked to the EURO STOXX 50® Index, maturing on December 23, 2027. These notes offer 300% participation in any positive index return, capped at a Maximum Return of 21%, so the most an investor can receive at maturity is $1,210 per $1,000 principal amount.
The notes include a 15% downside buffer: if the index falls by up to 15%, investors receive their full principal back at maturity. If the index declines by more than 15%, principal is reduced on a one‑for‑one basis beyond that buffer, so investors could lose a substantial portion of their investment. The initial estimated value is $977.49 per $1,000, below the public offering price, and all payments depend on Royal Bank of Canada’s credit.
Royal Bank of Canada is offering $763,000 of Enhanced Return Notes linked to the S&P 500 Market Agility 10 TCA 0.5% Decrement Index, maturing on December 22, 2028. The price to the public is 100% of principal, with proceeds to the bank also at 100%.
For each $1,000 note, investors receive at maturity either $1,000 if the index is flat or down, or $1,000 plus 105% of any positive index return if the final index value exceeds the initial value of 3,867.86. The structure embeds a 0.5% per annum decrement fee and other ongoing costs that reduce index performance, and the initial estimated value is $962.49 per $1,000, below the offering price. Payments depend entirely on Royal Bank of Canada’s credit and the notes are not insured by U.S. or Canadian deposit insurance agencies.
Royal Bank of Canada is issuing $2,920,000 of Redeemable Fixed Rate Notes due December 24, 2037. These senior notes pay fixed interest at 5.00% per annum, with interest paid annually on December 24 starting in 2026. The minimum investment is $1,000, in denominations of $1,000.
The notes are callable at the bank’s option, in whole but not in part, on the interest payment date scheduled for December 24, 2027 and on each interest payment date thereafter, with 10 business days’ prior written notice. At redemption or at maturity (if not redeemed earlier), investors receive the principal plus the applicable interest payment, subject to Royal Bank of Canada’s credit risk.
The price to the public is 100.00%, with underwriting discounts and commissions of 1.41%, resulting in proceeds to Royal Bank of Canada of $2,878,828. The notes are designated as bail-inable, meaning they may be converted into common shares or varied or extinguished under Canadian bail-in powers in a resolution scenario.
Royal Bank of Canada is offering Capped Enhanced Return Buffer Notes linked to the Nasdaq-100 Index®, maturing on July 2, 2027. The Notes are priced at 100% of principal, with underwriting discounts of 1.75% and proceeds to the bank of 98.25% of the principal amount. The initial estimated value is expected to be between $923.90 and $973.90 per $1,000, reflecting fees and hedging costs.
The Notes provide 150% participation in positive index performance, capped at a maximum return of 16.50%, so the most an investor can receive at maturity is $1,165 per $1,000. A 10% downside buffer protects principal if the index falls by up to 10%, but below that level investors lose principal in line with further declines, as shown in the loss examples down to a 90% index drop. Payments depend entirely on Royal Bank of Canada’s credit and the final index level, and the Notes are not insured.
Royal Bank of Canada is offering Capped Enhanced Return Buffer Notes linked to the S&P 500 Index, designed to provide leveraged upside with limited downside protection. The notes offer 150% participation in positive index returns, capped at a Maximum Return of 13%, so the maximum payment at maturity is $1,130 per $1,000 of principal. A 10% buffer protects against moderate losses, but if the index falls more than 10%, investors lose principal in line with the decline beyond that buffer.
The notes are priced at 100% of principal, with underwriting discounts of 1.75% and estimated initial values between $924.38 and $974.38 per $1,000, reflecting structuring and hedging costs. Key dates include a Trade Date of December 29, 2025, Issue Date of December 31, 2025, and Maturity Date of July 2, 2027. Payments depend entirely on S&P 500 performance and Royal Bank of Canada’s credit; the notes are unsecured, not insured, and may trade at a significant discount before maturity.
Royal Bank of Canada is issuing Capped Enhanced Return Buffer Notes linked to the S&P 500® Index with a total public offering price of $2,242,000. The Notes offer 125% participation in any positive Index return, but gains are capped at a Maximum Return of 18%, so the most an investor can receive at maturity is $1,180 per $1,000 of principal. A 10% buffer protects against moderate Index declines: if the S&P 500 falls by up to 10%, investors receive their full principal back at maturity. If the Index falls more than 10%, principal is reduced in line with losses beyond that buffer, and investors could lose a substantial portion of their investment.
The initial estimated value is $965.59 per $1,000, less than the offering price, reflecting fees and hedging costs. The Notes are unsecured senior debt of Royal Bank of Canada, subject to the Bank’s credit risk, and are not insured by any government agency. U.S. tax counsel views them as prepaid financial contracts, but notes that the tax treatment is uncertain and could change.
Royal Bank of Canada is issuing $1,148,000 of Auto-Callable Enhanced Return Dual Directional Barrier Notes linked to the weaker performer of Amazon.com and Target common stock, maturing in December 2028. The notes are sold at 100% of principal, with underwriting discounts and commissions of 2.50%, resulting in proceeds to the bank of $1,119,300.
If, on December 24, 2026, both stocks are at or above their initial levels, the notes are automatically called for $1,300 per $1,000 (a 30% return). Otherwise, at maturity investors receive leveraged upside at a 200% participation rate, dual-directional gains for moderate declines down to a 60% barrier, and significant principal loss if the worst stock finishes below its barrier. The initial estimated value is $961.84 per $1,000, and all payments depend on RBC’s credit. The notes carry complex risk and uncertain U.S. tax treatment.
Royal Bank of Canada is issuing $772,000 of auto-callable contingent coupon barrier notes linked to the Russell 2000 Index and the EURO STOXX 50 Index, maturing in December 2029. The notes pay a contingent coupon of $20 per $1,000 (2.00% per quarter, 8.00% per year) only when both indices are at or above 70% of their initial values on the relevant observation dates. They may be automatically called quarterly starting in December 2026 if both indices are at or above their initial levels, returning $1,000 per note plus the coupon. If not called and the weaker index finishes below its 70% barrier, principal is reduced one-for-one with the index loss, and investors could lose most or all of their investment.