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Royal Bank of Canada is offering $11,178,580 of Buffer Autocallable GEARS, senior unsecured notes linked to a 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, with a minimum $1,000 investment, and matures in November 2028 unless automatically called in December 2026. If the basket value on the call date is at or above its initial level, investors receive $11 per Security (a 10% Call Return) and the notes terminate. If not called and the basket return is positive at maturity, the payoff is $10 plus 1.85 times the basket gain. If the basket is flat or down but no worse than a 10% decline, principal is repaid at $10. Below the 90% downside threshold, losses match the basket’s decline beyond the 10% buffer, up to a 90% loss of principal. The notes pay no coupons, are not exchange‑listed, and all payments depend on RBC’s creditworthiness; the initial estimated value is $9.71 per $10 note, below the public offering price.
Royal Bank of Canada is offering long-dated Redeemable Fixed Rate Notes that pay interest at 5.05% per annum. The Notes are scheduled to be issued on December 12, 2025 and to mature on December 12, 2040, with interest paid annually each December 12 starting in 2026.
Royal Bank of Canada may, at its option, redeem the Notes in whole (but not in part) on the interest payment date in 2027 and on any annual interest payment date thereafter, repaying principal plus the applicable interest payment on the call date. All payments are subject to the bank’s credit risk, and the Notes are not insured by Canadian or U.S. deposit insurance agencies.
The Notes are designated as bail-inable notes, meaning they may be converted into common shares of Royal Bank of Canada or its affiliates, or written down, under Canadian bail-in powers if certain regulatory conditions are met. RBC Capital Markets, LLC acts as underwriter, purchasing the Notes at prices that may range between $972.50 and $1,000.00 per $1,000 principal amount and may reoffer them to investors at these levels.
Royal Bank of Canada is offering $2,201,410 of Buffer Autocallable Securities linked to a basket of five global equity indices, issued at $10 per Security with a minimum $1,000 investment and maturing on November 27, 2030. The basket is unequally weighted, led by the EURO STOXX 50 Index at 40%, with a Call Return of 12.50%, a 100% Participation Rate in positive basket performance at maturity, a 25% Buffer and a Downside Threshold set at 75% of the Initial Basket Value.
The Securities may be automatically called on December 1, 2026 if the Basket Value is at or above the Initial Basket Value, in which case holders receive $11.25 per Security and no further payments. If not called and the Final Basket Value falls below the Downside Threshold, principal is reduced in proportion to losses beyond the 25% buffer, up to a 75% loss of principal. The Securities pay no interest or dividends, are unsecured and unsubordinated debt of RBC, are not exchange-listed, and all payments depend on RBC’s creditworthiness. RBC expects net proceeds of $2,146,374.75 after $55,035.25 in fees to UBS Financial Services Inc.
Royal Bank of Canada is offering $1,400,000 of Auto-Callable Contingent Coupon Barrier Notes linked to the S&P 500 Index. The notes are issued at 100% of principal, with underwriting discounts of 1.75% and proceeds to Royal Bank of Canada of 98.25% of the principal amount.
The notes pay a quarterly contingent coupon of $20.625 per $1,000 (8.25% per annum) only if the S&P 500 closes at or above 90% of its initial level on the relevant observation date. They may be automatically called each quarter if the index is at or above its initial value, returning $1,000 plus the coupon. If not called and at maturity the index is below the 90% barrier, repayment of principal is reduced one-for-one with the index loss, and investors could lose most or all of their investment. The initial estimated value is $978.43 per $1,000, below the public offering price.
Royal Bank of Canada is issuing Auto-Callable Contingent Coupon Barrier Notes linked to the Russell 2000, S&P 500 and EURO STOXX 50, with a total offering size of $850,000. The notes are sold at 100% of principal, with 2.50% in underwriting discounts, providing 97.50% of proceeds to the bank. Investors may receive a quarterly contingent coupon of 2.1875% (8.75% per year) per $1,000 note if all three indices stay at or above 70% of their initial levels on each observation date.
The notes can be automatically called quarterly starting in November 2026 if every index is at or above its initial value, in which case holders receive $1,000 plus the applicable coupon and no further payments. If the notes are not called, principal is repaid in full at maturity only if the least performing index finishes at or above 70% of its initial level; otherwise repayment is reduced one-for-one with that index’s loss, potentially to zero. The initial estimated value is $965.91 per $1,000, below the public offering price, and all payments depend on Royal Bank of Canada’s credit.
Royal Bank of Canada is issuing auto-callable contingent coupon barrier notes linked to the weaker of the VanEck Semiconductor ETF (SMH) and the SPDR S&P Oil & Gas Exploration & Production ETF (XOP). The $750,000 offering is priced at 100% of principal, with 1% in underwriting discounts and 99% of proceeds to the bank.
The notes pay a quarterly contingent coupon of $44.25 per $1,000 (4.425% per quarter, 17.70% per year) only if, on the relevant observation date, both underliers are at or above 70% of their initial values. The notes are automatically called if, on any call observation date, both ETFs are at or above their initial values, returning $1,000 plus the coupon, with no further payments.
If not called, at maturity investors receive $1,000 per note only if the least performing ETF is at or above its 70% barrier. If the least performer is below its barrier, repayment of principal is reduced one-for-one with its loss, and investors can lose most or all of their investment. The initial estimated value is $988.27 per $1,000, below the public offering price.
Royal Bank of Canada is offering Trigger Autocallable Contingent Yield Notes linked to the S&P 500 Index, maturing on or about November 30, 2028. The Notes pay a quarterly contingent coupon only if the index closes at or above a barrier set at 75% of the Initial Underlying Value, with an annual coupon rate expected between 8.75% and 9.20%. The Notes can be called automatically each quarter starting six months after issuance if the index is at or above its initial level, in which case holders receive $10 per Note plus the applicable coupon.
If the Notes are not called, and at maturity the index is at or above the downside threshold (also 75% of the initial level), investors receive $10 per Note plus the final coupon. If the index is below this threshold at maturity, repayment is reduced in proportion to the index loss, up to a total loss of principal. Denomination is $10 per Note with a minimum investment of 100 Notes. The initial estimated value is expected to be between $9.45 and $9.95 per Note, below the $10 offering price, and all payments are subject to RBC’s credit risk.
Royal Bank of Canada is issuing two Capped Enhanced Return Buffer Notes linked separately to the Nasdaq-100 Index and the Russell 2000 Index, with principal amounts of $1,026,000 and $841,000, respectively. The notes mature on November 30, 2027 and provide 150% participation in positive index performance, subject to a maximum return of 20% for the Nasdaq-100 note and 23% for the Russell 2000 note, plus a 10% downside buffer. If the relevant index finishes below the 10% buffer level, investors lose principal in proportion to further declines and could lose a substantial amount of their investment. The initial estimated values of approximately $956.48 and $959.43 per $1,000 indicate embedded fees and hedging costs, and secondary market prices may be lower than the issue price. U.S. tax counsel views the notes as prepaid financial contracts, but this treatment is uncertain and could change.
Royal Bank of Canada is offering $1,156,000 of Enhanced Return Notes linked to the S&P 500 Market Agility 10 TCA 0.5% Decrement Index. These senior unsecured notes pay back $1,000 per note at maturity in May 2029, plus upside if the index finishes above its initial level, using a 105% participation rate. If the index is flat or down, investors receive only their principal, with no periodic interest.
The price to the public is 100% of principal, with underwriting discounts of 2.541%, so proceeds to RBC are 97.459%. The initial estimated value is $950.58 per $1,000, reflecting internal funding and hedging costs. The underlier embeds a 0.5% annual decrement plus additional funding and transaction costs, which, together with futures roll and volatility targeting, can weigh on long-term index performance.
The notes are subject to RBC’s credit risk, are not insured by any deposit insurer, and are treated as contingent payment debt instruments for U.S. tax purposes, requiring accrual of taxable interest based on a comparable yield even though no coupons are paid.
Royal Bank of Canada is issuing Capped Enhanced Return Buffer Notes linked to the EURO STOXX 50® Index with a total offering size of $641,000. The notes pay at maturity based on index performance over a two-year term, using a 200% participation rate on gains, capped at a maximum return of 19% (up to $1,190 per $1,000). A 15% downside buffer protects principal only if the index does not fall more than 15%; beyond that level, investors lose principal in proportion to further declines.
The public offering price is 100% of principal, with underwriting discounts of 2.062% and proceeds to Royal Bank of Canada of 97.938%. The initial estimated value is $959.72 per $1,000, lower than the public price, reflecting hedging costs, fees and the bank’s funding rate. Payments depend entirely on the bank’s credit and the notes are not insured or bail-inable.