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Royal Bank of Canada is offering Contingent Coupon Barrier Notes linked to the least performing of the Dow Jones Industrial Average, Russell 2000 Index and S&P 500 Index. These senior unsecured notes pay a contingent coupon of $36.25 per $1,000 (3.625% semiannually, 7.25% per year) only if, on each observation date, all three indices are at or above 70% of their initial values.
The notes run from a trade date of December 30, 2025 to maturity on January 3, 2031. At maturity, if the worst-performing index is at or above its 70% barrier, investors receive full principal plus any final coupon. If the least performing index is below its barrier, repayment is reduced one-for-one with that index’s decline, and principal losses can reach 100%.
The initial estimated value is expected between $914.91 and $964.91 per $1,000, below the price to the public, reflecting structuring and hedging costs. The notes are subject to Royal Bank of Canada’s credit risk, are not insured by any deposit insurance agency, and involve complex U.S. tax treatment with potential withholding implications for non-U.S. holders.
Royal Bank of Canada is offering S&P 500®-linked Capped Return Notes that return principal at maturity and provide equity-linked upside subject to a cap. For each $1,000 note, investors receive 100% of any positive S&P 500 return, limited by a Maximum Return of 34%, for a maximum payment of $1,340. If the index is flat or negative on the valuation date, investors receive $1,000, so they forgo dividends and any gains above the cap in exchange for downside protection at maturity.
The notes are unsecured debt of Royal Bank of Canada and all payments depend on its credit. The initial estimated value is expected to be between $927.26 and $977.26 per $1,000, reflecting structuring and hedging costs. The product is expected to be treated as a contingent payment debt instrument for U.S. tax purposes, requiring investors to accrue taxable interest over the life of the notes.
Royal Bank of Canada is offering exchangeable notes linked to the common stock of Uber Technologies, Inc., maturing in December 2028. The notes have a minimum investment of $1,000 and are issued at 100% of principal, with no underwriting commission to RBC Capital Markets. The initial estimated value per $1,000 note is expected to be between $940.00 and $990.00, reflecting structuring and hedging costs.
The notes reference an initial Uber share value of $90.4726 and a threshold value of $134.26, which is 148.40% of the initial value. At maturity, investors receive at least $1,000 in cash per note, or at the issuer’s option Uber shares, with additional return only if Uber’s final share value exceeds the threshold. The product embeds detailed anti-dilution and dividend adjustment mechanics and is intended to be treated as a contingent payment debt instrument for U.S. tax purposes.
Royal Bank of Canada is offering Capped Leveraged Index Return Notes linked to the SPDR EURO STOXX 50 ETF (ticker FEZ), with a principal amount of $10 per unit and a term of about 14 months, maturing in February 2027. The initial estimated value on the pricing date is expected to range between $9.25 and $9.75 per unit, which is below the public offering price of $10, reflecting RBC’s internal funding rate, an underwriting discount of $0.175 per unit and a hedging-related charge of $0.05 per unit.
The notes offer a 200% participation rate in positive ETF performance, subject to a Capped Value of $11.40 to $11.80 per unit, implying a maximum return of 14% to 18%. If the ETF’s Ending Value is at or above the Starting Value (with a 100% Threshold Value), investors receive at least their principal, but if it falls below the Starting Value, investors lose some or all of their principal. The notes pay no interest or dividends, are unsecured senior debt subject to RBC credit risk, are not bail-inable, and will not be listed on any exchange, with any secondary market making by affiliated dealers on a discretionary basis.
Royal Bank of Canada is offering Auto-Callable Enhanced Return Buffer Notes linked to the KraneShares CSI China Internet ETF (KWEB), maturing on December 21, 2027. The notes may be automatically called on December 22, 2026 if KWEB’s closing value is at or above its initial value, paying $1,157.50 per $1,000 note (a 15.75% total return) on December 28, 2026.
If the notes are not called, at maturity investors receive enhanced upside with a 150% participation rate in any positive return of KWEB. A 15% downside buffer protects principal as long as the ETF’s decline from the initial level does not exceed 15%. If KWEB falls more than 15%, principal is reduced based on the loss beyond the buffer, and investors could lose a substantial portion of their investment. The notes are unsecured debt of Royal Bank of Canada, subject to its credit risk, and their initial estimated value ($929–$979 per $1,000 note) will be less than the public offering price due to fees, hedging costs and the bank’s funding rate.
Royal Bank of Canada is offering auto-callable contingent coupon barrier notes linked to the Russell 2000 Index and the EURO STOXX 50 Index, in $1,000 minimum investments. The notes pay a contingent coupon of $20.00 per $1,000 (2.00% per quarter, 8.00% per year) only if, on each observation date, both indices close at or above 70% of their initial values. Starting with the fourth observation date in December 2026, the notes are automatically called if both indices are at or above their initial levels, paying $1,000 plus any coupon then due.
If the notes are not called, at maturity in December 2029 investors receive $1,000 per note only if the least-performing index is at or above 70% of its initial level; otherwise, principal is reduced in proportion to that index’s loss and can fall to zero, meaning a substantial or total loss is possible. The notes are priced at 100% of principal, with a 2.35% underwriting discount and 97.65% of proceeds to Royal Bank of Canada, and their initial estimated value is expected to be $900–$950 per $1,000, below the public offering price. All payments depend on Royal Bank of Canada’s credit, and U.S. tax counsel currently expects prepaid financial contract treatment with coupons taxed as ordinary income, though this treatment is not certain.
Royal Bank of Canada is offering auto-callable contingent coupon notes linked to the least performing of three stocks: Advanced Micro Devices, Broadcom and Dell Technologies Class C. The notes have a minimum investment of $1,000 and mature on December 24, 2030.
Investors may receive a contingent coupon of $6.917 per $1,000 in principal (0.6917% per month, 8.30% per year) for each month that all three underliers close at or above 75% of their initial value on the relevant observation date. The notes can be automatically called quarterly if all underliers are at or above their initial value, in which case investors receive $1,000 plus the applicable coupon. If not called, the examples show full principal repayment at maturity, with the final coupon depending on whether the least performing underlier is above its coupon threshold.
The public offering price is 100% of principal, with underwriting discounts of 3.125% and proceeds to RBC of 96.875%. The initial estimated value is expected to be between $885 and $935 per $1,000, reflecting hedging costs, fees and RBC’s internal funding rate. Payments depend on RBC’s credit; the notes are unsecured, not insured by deposit insurers and are not subject to Canadian bail-in conversion.
Royal Bank of Canada is issuing $503,000 of Barrier Digital Notes due January 7, 2027, linked to the least performing of Apple, Meta and NVIDIA stock.
The notes pay $1,202.50 per $1,000 principal amount (a 20.25% digital return) at maturity if the final value of the worst underlier is at or above 60% of its initial level. If that stock finishes below its 60% barrier, repayment becomes fully exposed to its decline, and investors can lose a substantial portion or all of their principal.
The minimum investment is $1,000, and Royal Bank of Canada expects net proceeds of $501,893.40 after a 0.22% underwriting discount. The initial estimated value is $996.50 per $1,000, below the public offering price, reflecting fees and hedging costs. All payments depend on the bank’s credit, and the notes involve complex market, valuation and U.S. tax considerations described in the supplement.
Royal Bank of Canada is offering senior Redeemable Fixed Rate Notes that pay fixed interest of 5.00% per annum and are scheduled to mature on December 24, 2037. Interest is paid annually on December 24, starting in 2026, based on a 30/360 day count convention.
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 annual interest payment date thereafter, with 10 business days’ prior written notice. If called, investors receive principal plus the applicable interest payment on the call date, and no further payments.
The minimum investment is $1,000, and RBC Capital Markets, LLC will purchase the notes at prices between $975.00 and $1,000.00 per $1,000 principal amount, retaining up to $25.00 per $1,000 as underwriting discount. The notes are subject to Royal Bank of Canada’s credit risk and are designated as bail-inable notes under Canadian law, meaning they can be converted into common shares or written down if Canadian bail-in powers are exercised.
Royal Bank of Canada is offering Auto-Callable Contingent Coupon Barrier Notes linked to the least-performing of the Nasdaq-100, Russell 2000 and S&P 500 indices. The Notes pay a contingent monthly coupon of $8.333 per $1,000 (about 10% per year) only if, on the observation date, each index is at or above 75% of its initial level.
The Notes can be automatically called on designated semiannual dates if each index is at or above its initial level, in which case investors receive $1,000 per Note plus the coupon, and the product terminates early. If not called, at maturity in September 2030 investors receive full principal back only if the worst-performing index finishes at or above a 65% barrier. Below that barrier, repayment is reduced in line with the index loss, and principal can be lost in full.
The price to the public is 100% of principal, with underwriting discounts of 1% and proceeds to Royal Bank of Canada of 99%. The initial estimated value is expected to be $932.50–$982.50 per $1,000, reflecting dealer compensation, funding and hedging costs. Payments depend on Royal Bank of Canada’s credit and carry complex U.S. tax and withholding considerations.