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Royal Bank of Canada is offering auto-callable enhanced return dual directional barrier notes linked to the worst performer of Amazon.com and Target stock. The notes are issued in $1,000 minimum denominations and pay 100% of principal at issue, with underwriting discounts of 2.50% and an initial estimated value between $892.50 and $942.50 per $1,000, which is lower than the public offering price.
If on the call observation date in December 2026 both stocks are at or above their initial values, the notes are automatically redeemed for at least $1,300 per $1,000, ending the investment early. If not called, the December 2028 maturity payout depends on the worst-performing stock: 200% participation on gains, an "absolute return" feature if the loss is within a 40% barrier, and full downside exposure if that stock falls more than 40%, which can result in losing most or all principal. Payments depend on RBC’s credit, and the document highlights market, pricing, conflict of interest and tax risks.
Royal Bank of Canada filed a Form 6-K as a foreign private issuer for December 2025, mainly to submit its 2025 Annual Report as Exhibit 99.1. The report is signed on behalf of the bank by Chief Financial Officer Katherine Gibson and dated December 3, 2025.
Royal Bank of Canada submitted a Form 6-K as a foreign private issuer for December 2025. The report is signed by Chief Financial Officer Katherine Gibson on behalf of the bank.
The filing primarily furnishes an exhibit identified as an Independent Auditor’s Report (Exhibit 99.1).
Royal Bank of Canada describes several risk and capital management items. For its unconsolidated structured entities, total assets of these vehicles represent the maximum assets that may need to be purchased under outstanding purchase commitments, and the bank notes that its maximum exposure to loss largely comes from investments, loans, derivatives, and liquidity and credit enhancement facilities.
The bank reports that balances it must maintain due to regulatory or contractual requirements with central banks and other counterparties were $3 billion as at October 31, 2025, compared with $2 billion a year earlier and $3 billion two years earlier. It also details subordinated notes that qualify as Tier 2 capital because they include non‑viability contingent capital provisions, which force conversion into common shares if regulators deem the bank non‑viable or a qualifying government capital injection occurs.
RBC also redeemed $1,500 million of 2.88% subordinated debentures due 2029 on December 23, 2024 and $1,250 million of 2.088% subordinated debentures due 2030 on June 30, 2025, paying 100% of principal plus accrued interest. The bank outlines that several outstanding notes pay interest at a stated rate until their earliest par value redemption date and then reset to margins above Daily Compounded CORRA or the Tokyo Overnight Average Rate mid‑swap rate.
Royal Bank of Canada is offering Auto-Callable Enhanced Return Buffer Notes linked to the S&P 500 Market Agility 10 TCA 0.5% Decrement Index. The notes are sold at 100% of principal with a 1% underwriting discount, so proceeds to the bank are 99% of the issue price. The minimum investment is $1,000 in $1,000 increments. If on December 28, 2026 the index is at or above its initial level, the notes are automatically called and pay $1,100 per $1,000, a 10% return, with no further payments. If not called, at maturity in December 2030 investors receive 160% of any index gain, full principal back for index losses up to 10%, and lose principal for larger declines. The initial estimated value is expected to be between $900 and $950 per $1,000, reflecting dealer compensation, hedging and funding costs.
Royal Bank of Canada is offering Auto-Callable Contingent Coupon Barrier Notes linked to the Bloomberg US Large Cap VolMax Index. The Notes pay a contingent coupon of $9.458 per $1,000 each month, equivalent to 11.35% per annum, but only when the index closes at or above a coupon threshold set at 60% of the initial index value on the relevant observation date. Missed coupons can be paid later if conditions are met, using a "memory" feature.
The Notes can be automatically called quarterly if the index is at or above its initial level, returning $1,000 per Note plus any due coupons, after which no further payments are made. If the Notes run to maturity and the final index value is at least 50% of the initial value (the barrier), investors receive full principal back; below the barrier, repayment is reduced one-for-one with the index loss, up to total loss of principal.
The initial estimated value is expected between $885 and $935 per $1,000, below the public price, reflecting dealer compensation and hedging costs. The Underlier itself uses leverage of at least 100% and up to 500%, deducts a notional financing cost, a 6% per annum factor, and transaction costs daily, which can significantly drag performance and increase risk.
Royal Bank of Canada is offering auto-callable contingent coupon barrier notes linked to the common stock of Netflix, Inc., maturing on January 22, 2027. The notes pay a monthly contingent coupon of $9.292 per $1,000 (0.9292% per month, 11.15% per year) only if Netflix’s closing price on the prior observation date is at or above a coupon threshold set at 70% of the initial share price.
Beginning with the June 16, 2026 observation date, the notes will be automatically called if Netflix closes at or above its initial value, returning the $1,000 principal plus the coupon, with no further payments. If the notes are not called and Netflix ends at or above the 70% barrier on the valuation date, investors receive full principal back plus any coupon.
If Netflix’s final value is below the 70% barrier, investors receive a fixed number of Netflix shares instead of cash, which could be worth far less than principal and potentially zero. The initial estimated value is expected between $919.50 and $969.50 per $1,000, below the public offering price, and all payments depend on Royal Bank of Canada’s credit. The notes are not insured or bail-inable.
Royal Bank of Canada is offering Auto-Callable Contingent Coupon Barrier Notes linked to the common stock of Morgan Stanley. The Notes pay a contingent monthly coupon of $9.083 per $1,000 principal (about 10.90% per year) only when the stock closes at or above a coupon threshold set at 77% of the initial stock value.
The Notes can be automatically called beginning about six months after trade if the stock is at or above its initial value on a call observation date; in that case, investors receive $1,000 plus the coupon and no further payments. If the Notes are not called and, at maturity in January 2027, the stock is at or above the 77% barrier, investors receive full principal plus any coupon due. If the stock finishes below the barrier, investors receive Morgan Stanley shares worth less than their principal, potentially up to a 100% loss.
The price to the public is 100% of principal, with underwriting discounts of 1.50% and an initial estimated value expected between $920.67 and $970.67 per $1,000, reflecting fees, hedging costs and RBC’s lower internal funding rate. The Notes are unsecured RBC debt, not insured deposits, and involve complex market, credit and tax risks.
Royal Bank of Canada plans to issue Redeemable Fixed Rate Notes due December 23, 2032, as part of its Senior Global Medium-Term Notes, Series J. The Notes pay a fixed interest rate of 4.50% per annum, with interest paid semiannually on June 23 and December 23, beginning June 23, 2026. The Notes are subject to optional redemption at the bank’s discretion, in whole but not in part, on the December 23, 2027 interest date and on each interest payment date thereafter, at which point investors receive principal plus the applicable interest payment and no further payments.
The minimum investment is $1,000 and multiples of $1,000. The price to the public is 100% of principal, while RBC Capital Markets, LLC will purchase the Notes at between $982.50 and $1,000 per $1,000 principal and may share an underwriting discount of up to $17.50 per $1,000 with selected dealers. The Notes are designated as bail-inable notes under Canadian law, meaning they can be converted into common shares or written down under Canadian bail-in powers, and they are not insured by Canadian or U.S. deposit insurance agencies.