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Royal Bank of Canada is offering redeemable fixed rate notes due December 17, 2030 as part of its Senior Global Medium-Term Notes, Series J program. The notes pay interest at a fixed rate of 4.525% per annum, with semiannual payments on June 17 and December 17 of each year, starting June 17, 2026. Royal Bank of Canada may redeem the notes in whole, but not in part, on quarterly call dates beginning December 17, 2027, paying principal plus the applicable interest payment.
The notes are subject to Canadian bail-in powers, meaning they can be converted into common shares of Royal Bank of Canada or its affiliates or varied or extinguished under the CDIC Act, and holders would then have no further rights except as provided under that regime. RBC Capital Markets, LLC is the underwriter, with a price to the public of 100% of principal and underwriting discounts of up to $5.00 per $1,000 principal amount, and certain investors may pay as low as $995.00 per $1,000 principal amount.
Royal Bank of Canada is offering $750,000 of Auto-Callable Contingent Coupon Barrier Notes linked to the VanEck Semiconductor ETF (SMH) and the SPDR S&P Oil & Gas Exploration & Production ETF (XOP). Investors buy in at 100% of principal, while the bank receives 99% after underwriting costs, or $742,500 in proceeds.
The Notes can pay a contingent coupon of $46.25 per $1,000 (a rate of 4.625% per quarter, 18.50% per year) on quarterly dates, but only if each ETF stays at or above 75% of its initial value on the relevant observation date. The Notes may be automatically called quarterly if both ETFs are at or above their initial levels, in which case investors receive principal plus the due coupon and no further payments.
If not called, and the worst-performing ETF is at or above its 75% barrier at maturity, investors receive full principal plus any due coupon. If the worst-performing ETF finishes below its barrier, repayment is reduced one-for-one with the ETF’s loss, and investors can lose a substantial portion or all of their principal. All payments depend on Royal Bank of Canada’s credit, and the initial estimated value of $971.20 per $1,000 is below the public offering price.
Royal Bank of Canada is offering Auto-Callable Contingent Coupon Barrier Notes linked to the worst performer of the Nasdaq-100, Russell 2000 and S&P 500 indices. The total offering size is $3,090,000, sold at 100% of principal with no underwriting commission to RBCCM, and an initial estimated value of $986.26 per $1,000 note.
The notes pay a monthly contingent coupon of $8.333 per $1,000 (10% per year) only if, on each observation date, every index is at or above 75% of its initial level. The notes can be automatically called semiannually if all three indices are at or above their initial levels, returning principal plus the applicable coupon.
If not called, at maturity in 2030 investors receive full principal back only if the least-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 principal. Payments depend on Royal Bank of Canada’s credit.
Royal Bank of Canada is offering Auto-Callable Enhanced Return Dual Directional Barrier Notes linked to the worst performer of Bristol-Myers Squibb common stock and Novo Nordisk ADSs. The notes are priced at 100% of principal, with underwriting discounts of 2.50% and proceeds to RBC of 97.50% per $1,000 note. The initial estimated value is expected to be between $901.91 and $951.91 per $1,000, reflecting dealer compensation and hedging costs.
The notes can be automatically called on January 4, 2027 if each underlier is at or above its initial level, in which case investors receive at least $1,375 per $1,000 (at least 137.50%) and no further payments. If not called, maturity on January 4, 2029 offers 150% upside participation in the least performing underlier and a dual-directional payoff as long as that underlier does not fall below 60% of its initial value. If it breaches this 60% barrier, repayment is fully exposed to downside, and investors can lose a substantial portion or all of their principal.
Royal Bank of Canada is offering Auto-Callable Enhanced Return Dual Directional Barrier Notes linked to the worst performer of General Motors and Tesla stock. The Notes are priced at 100% of principal with a 2.50% underwriting discount and 97.50% of proceeds to the bank, and carry an initial estimated value between $887.59 and $937.59 per $1,000 Note.
If, on the January 4, 2027 call observation date, both stocks are at or above their initial values, the Notes are automatically called and pay at least $1,400 per $1,000 (at least 140% of principal), with no further payments. If not called, at maturity in January 2029 investors get 150% of the positive return of the worst stock, or an “absolute return” on losses up to a 50% drop, but lose principal 1:1 if that stock falls below a barrier set at 50% of its initial value. All payments depend on Royal Bank of Canada’s credit and the Notes carry complex tax and market risks.
Royal Bank of Canada is offering senior unsecured structured notes linked to the S&P 500® Index. The notes do not pay interest and return at maturity depends on index performance from the trade date to a determination date expected 27–30 months later.
For each $1,000 principal amount, investors receive 150% of any positive index return, but gains are capped by a maximum settlement amount expected between $1,231.00 and $1,271.65. A 15% buffer protects principal as long as the final index level is at least 85% of the initial level; below that, losses increase about 1.1765% for each 1% drop under the buffer and investors could lose their entire investment.
The initial estimated value is expected between $965.10 and $995.10 per $1,000 note, reflecting structuring and hedging costs. The notes are not listed, may have limited liquidity, are subject to RBC’s credit risk, and are not insured by the FDIC or Canada Deposit Insurance Corporation.
Royal Bank of Canada is offering Buffer Autocallable GEARS, which are senior unsecured notes linked to an unequally weighted basket of five equity indices: EURO STOXX 50 (40%), Nikkei 225 (25%), FTSE 100 (17.5%), Swiss Market Index (10%) and S&P/ASX 200 (7.5%). Each Security has a $10 denomination and a term to about December 29, 2028, unless automatically called earlier.
The notes can be automatically called on January 4, 2027 if the Basket Value is at or above the Initial Basket Value, paying $11.00 per Security (a 10% Call Return). If not called and the Basket Return is positive, holders receive $10 plus the Upside Gearing (between 1.4 and 1.58) times the Basket Return. If the Basket Return is zero or negative but the Final Basket Value is at or above the 90% Downside Threshold, principal is repaid at $10.
If the Basket Return is negative and the Final Basket Value is below the Downside Threshold, repayment is reduced based on losses beyond the 10% Buffer, with up to a 90% loss of principal. The Securities pay no interest or dividends, are subject to RBC’s credit risk, will not be exchange listed, and their initial estimated value is expected to be between $9.18 and $9.68 per $10 Security.
Royal Bank of Canada is offering auto-callable contingent coupon barrier notes linked to the worst performer of the EURO STOXX® Banks Index and the SPDR® S&P® Oil & Gas Exploration & Production ETF. The notes pay a quarterly contingent coupon of $42.875 per $1,000 (4.2875% per quarter, 17.15% per year) only if on each observation date both underliers are 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 worst underlier is at or above its 75% barrier, investors receive full principal plus any coupon; if it is below the barrier, repayment of principal is reduced one-for-one with the underlier’s loss and can fall to zero.
The price to the public is 100% of principal, with underwriting discounts of 1.00% and proceeds to Royal Bank of Canada of 99.00%. The initial estimated value per $1,000 is expected between $920.00 and $970.00, reflecting internal funding and hedging costs. The notes are unsecured obligations of Royal Bank of Canada and are subject to its credit risk and complex U.S. federal income tax treatment.
Royal Bank of Canada is offering $9,387,000 of Redeemable Fixed Rate Notes due December 16, 2030. The notes pay a fixed interest rate of 4.25% per annum, with interest paid semiannually on June 16 and December 16, starting June 16, 2026.
The notes may be redeemed at the bank’s option in whole, but not in part, on June 16, 2027 and on each later interest payment date, at the principal amount plus the applicable interest payment. The price to the public is 100.00%, with underwriting discounts of 0.69%, resulting in proceeds to Royal Bank of Canada of $9,322,229.70.
The notes are unsecured obligations subject to the bank’s credit risk, are not insured by Canadian or U.S. deposit insurance agencies, and are designated as bail-inable, meaning they may be converted into common shares under Canadian resolution powers.
Royal Bank of Canada is offering Capped Return Dual Directional Buffer Notes linked to the S&P 500® Index, maturing on March 19, 2027. The Notes provide 100% participation in index gains up to an 11.25% maximum upside return, so the most you can receive at maturity is $1,112.50 per $1,000 of principal. If the index ends between its starting level and 12% below it, you receive a positive return equal to the absolute index move, up to 12%.
If the S&P 500® falls by more than 12% at maturity, your repayment is reduced one-for-one beyond the 12% buffer and you can lose a substantial portion of principal. The Notes are unsecured debt of Royal Bank of Canada, are not insured or bail‑inable, and all payments depend on its credit. The public price is 100% of principal, with underwriting discounts of 0.75% and proceeds to the issuer of 99.25%, while the initial estimated value is expected to be $935–$985 per $1,000, lower than the purchase price.