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Royal Bank of Canada is offering Trigger Jump Securities linked to the common stock of NVIDIA Corporation, with an aggregate principal amount of $14,413,000 and a stated principal of $1,000 per security, maturing on July 6, 2027. These senior unsecured notes do not pay interest and expose investors to loss of principal.
If the final NVIDIA share value on the valuation date is at or above the initial value of $177.72, investors receive $1,373.50 per security, reflecting a fixed upside payment of $373.50 (a 37.35% gain). If the final value is below the initial value but at or above the trigger value of $115.52 (65% of the initial value), investors receive only the $1,000 principal. If the final value falls below the trigger, repayment is reduced one-for-one with the underlier loss, and investors can lose their entire investment.
The securities are not listed on any exchange, carry Royal Bank of Canada’s credit risk, and have an initial estimated value of $976.91 per security, which is lower than the public offering price due to commissions, hedging costs and the bank’s internal funding rate.
Royal Bank of Canada is issuing structured notes linked to the MSCI EAFE® Index with an aggregate principal amount of $4,030,000. The notes pay no interest and mature on November 19, 2027. For each $1,000 note, if the index’s final level is at least 87.50% of the initial level of 2,854.21, investors receive a fixed $1,143, a 14.3% gain.
If the final index level is below 87.50% of the initial level, the payoff declines linearly, with about 1.1429% of principal lost for every 1% the index falls below the threshold, down to a total loss if the index goes to zero. The initial estimated value is $994.49 per $1,000 note, below the issue price, and the notes will not be listed on any exchange, may trade at a discount, and are subject to Royal Bank of Canada’s credit risk.
Royal Bank of Canada is offering $475,000 of Capped Return Dual Directional Buffer Notes linked to the S&P 500® Index. These Notes are senior unsecured debt, priced at 100% of principal with proceeds to the bank of 99.25% after underwriting discounts, and an initial estimated value of $986.45 per $1,000, which is below the public offering price.
The Notes run from a trade date of December 16, 2025 to maturity on March 19, 2027 and provide 100% participation in index moves, subject to an 11.25% maximum upside and a 12% downside buffer. Investors gain if the index rises, and also for moderate declines down to 88% of the initial level, but lose principal if the index falls below the buffer. All payments depend on RBC’s credit, and investors face market, valuation, tax and structural risks, including potential loss of a substantial portion of principal.
Royal Bank of Canada is issuing $777,000 of Auto-Callable Contingent Coupon Barrier Notes linked to the common stock of Morgan Stanley, maturing on January 22, 2027. The Notes pay a contingent coupon of $9.083 per $1,000 (0.9083% per month, 10.90% per year) only when the stock closes at or above a coupon threshold set at 77% of the initial stock price of $176.51, or $135.91.
The Notes may be automatically called starting June 2026 if the stock closes at or above its initial value, in which case holders receive $1,000 per note plus the coupon due, with no further payments. If not called and the final stock value is at or above the barrier, holders receive full principal back plus any final coupon. If the final value is below the barrier, holders receive shares of Morgan Stanley stock worth less than principal, with losses matching the stock decline and the possibility of a total loss.
The price to the public is at par, with underwriting discounts and commissions of 1.50%, so proceeds to Royal Bank of Canada are 98.50%, or $765,345. The initial estimated value is $979.27 per $1,000, reflecting internal funding and hedging costs. The Notes carry complex U.S. tax treatment and are subject to Royal Bank of Canada’s credit risk.
Royal Bank of Canada is issuing Auto-Callable Enhanced Return Buffer Notes linked to the KraneShares CSI China Internet ETF, offering investors leveraged upside exposure with partial downside protection.
The Notes are priced at 100% of principal with total offering size of $625,000, underwriting discounts of 1.75% and proceeds to the bank of $614,062.50. They have a trade date of December 16, 2025 and mature in December 2027, unless automatically called in December 2026.
If the ETF is at or above its initial value on the call observation date, the Notes are automatically redeemed at 115.75% of principal. Otherwise, at maturity investors get 150% participation in any positive ETF return, full principal back if losses are within a 15% buffer, and reduced principal if losses exceed that buffer. Payments depend entirely on Royal Bank of Canada’s credit and complex U.S. tax rules may apply.
Royal Bank of Canada is offering Capped Enhanced Return Buffer Notes linked to the MSCI EAFE® Index, maturing on June 28, 2027. The notes are unsecured senior debt and are not insured or bail-inable. They are priced at 100% of principal with a minimum investment of $1,000, and RBC Capital Markets, LLC will not receive a sales commission.
At maturity, investors receive enhanced upside if the index rises: a 150% participation rate on positive index returns, capped at a Maximum Return of 20.75%, so the maximum payment is $1,207.50 per $1,000 of notes. There is a 10% downside buffer: if the index ends between 90% and 100% of its initial level, principal is returned. Below 90%, losses match index declines beyond the buffer, so investors can lose a substantial portion of principal.
The initial estimated value is expected to be between $943.50 and $993.50 per $1,000, reflecting hedging and funding costs. The notes are intended to be held to maturity, and secondary market prices may be significantly below the issue price.
Royal Bank of Canada is offering auto-callable contingent coupon barrier notes linked to the worst performer of the State Street Technology Select Sector SPDR ETF (XLK) and the SPDR S&P Oil & Gas Exploration & Production ETF (XOP). The notes pay a contingent coupon of $41.25 per $1,000 each quarter (4.125% per quarter, 16.50% per year) only if on the relevant observation date both ETFs close at or above 80% of their initial values.
Beginning around six months after issuance, the notes are automatically called if both underliers are at or above their initial values on a call observation date, returning the $1,000 principal plus the applicable coupon, with no further payments. If the notes are not called and at maturity the worst-performing ETF is at or above its 80% barrier, investors receive $1,000 plus any coupon. If it is below the barrier, repayment is reduced one-for-one with the underlier loss, and investors can lose most or all of their principal.
The initial estimated value is expected between $910 and $960 per $1,000, below the public offering price, and secondary market values may be lower. Payments depend on RBC’s credit and the notes are not insured by U.S. or Canadian deposit insurance agencies.
Royal Bank of Canada is offering redeemable fixed rate notes that pay interest at 4.10% per annum and are scheduled to mature on December 29, 2028, with annual interest payments each December 31 beginning in 2026. The notes can be redeemed at the bank’s option in whole, but not in part, on the interest payment dates scheduled for December 31, 2026 and December 31, 2027, at which point investors would receive principal plus the applicable interest payment and no further payments.
The notes are issued in minimum denominations of $1,000, and RBC Capital Markets, LLC will purchase them at prices between $987.50 and $1,000 per $1,000 principal amount, reflecting possible selling concessions to other dealers. The notes are subject to Royal Bank of Canada’s credit risk and are explicitly identified as bail-inable notes, meaning they may be converted into common shares or written down under Canadian bail-in powers in a resolution scenario, after which holders would have no further rights except those provided under that regime.
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 notes pay a contingent coupon of $26.25 per $1,000 each quarter (an annual rate of 10.50%) only if on each observation date all three underliers are at or above 75% of their initial values.
The notes can be automatically called quarterly starting June 23, 2026 if each underlier is at or above its initial value, in which case investors receive $1,000 plus the coupon and no further payments. If not called, at maturity in December 2028 investors receive full principal only if the worst underlier stays at or above 60% of its initial value; below that level, repayment is reduced one-for-one with the loss in that underlier, and principal losses can reach 100%. The initial estimated value is expected to be $900–$950 per $1,000, below the public offering price.
Royal Bank of Canada is offering $750,000 of Auto-Callable Contingent Coupon Barrier Notes linked to the least performing of the EURO STOXX Banks Index and the SPDR S&P Oil & Gas Exploration & Production ETF. The Notes pay a contingent coupon of $42.875 per $1,000 (4.2875% quarterly, 17.15% per year) only if, on each observation date, both underliers stay at or above 75% of their initial values. The Notes can be automatically called quarterly starting June 2026 if both underliers are at or above their initial levels, in which case investors receive $1,000 plus the coupon and no further payments.
If the Notes are not called and, at maturity in December 2028, the least performing underlier is below the 75% barrier, repayment of principal is reduced one-for-one with that decline, and investors can lose some or all of their investment. The price to the public is 100% of principal, with 1% underwriting discounts and 99% proceeds to Royal Bank of Canada. The initial estimated value is $955.22 per $1,000, and all payments are subject to Royal Bank of Canada’s credit risk and complex U.S. tax treatment.