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Royal Bank of Canada is issuing Barrier Digital Notes linked to the worst performer of the MSCI Emerging Markets Index and the EURO STOXX 50 Index. The total offering size is $3,650,000, with a price to the public of 100% of principal, underwriting discounts of 3.50% and proceeds to the bank of 96.50%.
The Notes run from a trade date of November 24, 2025 to a maturity date of November 29, 2030. Each index has a barrier set at 70% of its initial value. If the least performing index finishes at or above its initial value, investors receive $1,000 plus the greater of its return or a fixed 56% digital return per $1,000. If it finishes below its initial value but at or above the barrier, investors receive only principal back; if it closes below the barrier, repayment is reduced one-for-one with the loss, and principal could be largely or entirely lost.
The initial estimated value is $937.20 per $1,000, below the public price, reflecting funding and hedging costs. The Notes are unsecured debt subject to Royal Bank of Canada’s credit risk, are not insured deposits, and involve complex tax, liquidity and market risks.
Royal Bank of Canada is issuing Capped Enhanced Return Buffer Notes linked to the SPDR® Gold Trust. The total offering price is $439,000, with proceeds to the bank of $422,946.25 after underwriting discounts and commissions.
The Notes run from a trade date of November 24, 2025 to a maturity date of November 29, 2030. They offer 125% participation in positive Underlier returns, capped at a 48% maximum return, and include a 20% downside buffer. If the SPDR Gold Trust falls more than 20% by the valuation date, investors lose principal in line with losses beyond the buffer. The initial estimated value is $943.99 per $1,000, below the public offering price, and payments depend on Royal Bank of Canada’s credit.
Royal Bank of Canada is offering auto-callable enhanced return barrier notes linked to the Solactive Equal Weight U.S. Blue Chip Select AR Index, with a total offering of $408,000 at 100% of principal. After underwriting costs of 3.625%, proceeds to RBC are 96.375% of the principal amount.
The notes may be automatically called on November 30, 2026 if the index is at or above its initial value, paying $1,200 per $1,000 note (a 20% return) with no further payments. If not called, at maturity investors receive upside at a 150% participation rate when the index is above its initial value, full principal back if the index is between the initial level and the barrier, and 1:1 downside if the index falls below the barrier set at 70% of the initial value, meaning principal losses can be substantial. The initial estimated value is $940.29 per $1,000, and all payments depend on RBC’s credit. The notes are not insured and carry complex risk and tax characteristics.
Royal Bank of Canada is offering up to $1,590,000 of Capped Return Dual Directional Buffer Notes linked to the S&P 500® Index. These three-year notes are issued at $1,000 minimum denominations, with an underwriting discount of 2.05%, resulting in proceeds of $1,557,400 to the bank.
At maturity, investors get enhanced exposure to index moves within defined limits. If the index rises, returns match the index gain at a 100% participation rate but are capped at a 16.50% maximum upside, or $1,165 per $1,000 note. If the index falls by up to 10%, investors receive a positive return equal to the absolute value of that decline, up to 10%.
If the index drops more than 10%, principal is exposed to losses beyond the 10% buffer, so a large decline could result in substantial loss of principal. The initial estimated value is $957.73 per $1,000, reflecting dealer compensation and hedging costs. The notes are unsecured RBC debt, are not insured by deposit insurers, and all payments depend on RBC’s credit.
Royal Bank of Canada is offering Auto-Callable Contingent Coupon Barrier Notes linked to the Solactive Equal Weight U.S. Semi Conductor Select AR Index, with a total public offering of $461,000. The Notes are sold at 100% of principal, with proceeds to the bank of 97.75% after underwriting discounts.
Investors can receive a monthly contingent coupon of $9.583 per $1,000 (11.50% per annum) if on each observation date the index is at or above the Coupon Threshold of 26,381.72, which is 75% of the initial value of 35,175.62. The Notes are automatically called quarterly if the index closes at or above its initial value, returning $1,000 per Note plus the applicable coupon.
If the Notes are not called, principal is repaid at maturity on May 30, 2028 if the final index value is at or above the Barrier Value of 24,622.93 (70% of the initial value). If the final value is below the barrier, repayment is reduced one-for-one with the index loss, and investors can lose a substantial portion or all of their principal. The initial estimated value is $962.56 per $1,000, less than the public offering price, and the Notes carry significant market, structural and tax risks and are not insured deposits.
Royal Bank of Canada is issuing Auto-Callable Enhanced Return Barrier Notes linked to an equally weighted basket of large U.S. bank stocks: Bank of America, Citigroup, Goldman Sachs, Morgan Stanley and Wells Fargo. The total offering size is $945,000, sold at 100% of principal, with proceeds to RBC of $923,625 after underwriting discounts and commissions.
The Notes have a trade date of November 24, 2025, a maturity date of November 29, 2028, and may be automatically called on December 7, 2026 if the basket is at or above its initial value. If called, investors receive $1,115 per $1,000, and the Notes terminate. If not called, investors participate 150% in any positive basket return at maturity, but principal is only protected so long as the final basket value stays at or above 70% of its initial level. If the basket falls below this 70% barrier, repayment of principal is reduced one-for-one with the basket loss, potentially to zero.
The initial estimated value is $958.08 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 unsecured, uninsured debt with complex tax treatment and significant market, issuer and structural risks.
Royal Bank of Canada is offering Capped Enhanced Return Buffer Notes linked to the S&P 500 Index, with a total public offering of $1,856,000 at 100% of principal and proceeds to the issuer of 98.053%. The two-year notes are scheduled to price on November 24, 2025 and mature on November 30, 2027, with payment based on the index level on the valuation date.
The notes offer 125% participation in positive S&P 500 returns, capped at a Maximum Return of 17% (maximum payout $1,170 per $1,000 note). A 10% downside buffer protects principal if the index decline is within that range, but below the 90% Buffer Value investors lose principal in line with index losses beyond the buffer. All payments depend on Royal Bank of Canada’s credit.
The initial estimated value is $959.72 per $1,000 note, below the public price, reflecting underwriting discounts, hedging costs and the bank’s funding rate. The notes may trade at a significant discount in any secondary market. U.S. tax counsel views them as prepaid financial contracts with uncertain tax treatment, and counsel expects Section 871(m) dividend equivalent rules not to apply to Non-U.S. holders.
Royal Bank of Canada is offering Capped Enhanced Return Buffer Notes linked to the S&P 500® Index, maturing on June 1, 2027. These unsecured senior notes provide 150% participation in any positive index return, but gains are capped at a maximum return of 18.50%, or $1,185 per $1,000 at maturity. A 10% downside buffer protects principal for index losses up to 10%; below that level investors lose principal in line with further declines.
The initial estimated value is expected to be between $945 and $995 per $1,000, less than the public offering price, reflecting funding and hedging costs. The notes are not insured or bail-inable and all payments depend on Royal Bank of Canada’s credit. Liquidity may be limited, secondary market prices may be volatile and below issue price, and investors face complex U.S. tax treatment with potential future regulatory changes.
Royal Bank of Canada is issuing $775,000 of Auto-Callable Contingent Coupon Buffer Notes linked to the Bloomberg US Large Cap VolMax Index, maturing on November 29, 2030. The notes pay a contingent coupon of $37.50 per $1,000 (3.75% quarterly, 15.00% per annum) only if the index is at or above the Coupon Threshold of 75% of the initial index level on the relevant observation date.
The notes are auto-callable quarterly starting May 26, 2026 if the index is at or above its initial level, in which case investors receive $1,000 plus the coupon and no further payments. At maturity, if not called, principal is protected only down to the 15% buffer; below 85% of the initial level, repayment of principal is reduced, with losses increasing one-for-one beyond the buffer. The initial estimated value is $932.52 per $1,000, below the public offering price, and all payments are subject to RBC’s credit risk.
Royal Bank of Canada is offering Performance Leveraged Upside Securities (PLUS) linked to the S&P 500 Index, maturing on December 31, 2026, under its Senior Global Medium-Term Notes, Series J program. Each PLUS has a stated principal amount of $1,000, pays no interest and is a senior unsecured obligation subject to RBC’s credit risk.
At maturity, if the index is at or above its initial level, investors receive $1,000 plus 200% of the index gain, capped at a maximum payment of $1,134 per PLUS (113.40% of principal). If the index is below its initial level, the payout is reduced one-for-one with the index loss, so investors can lose some or all of their principal.
The PLUS will not be listed on any exchange, and their value before maturity will depend on market conditions, RBC’s creditworthiness and hedging costs. The initial estimated value per PLUS is expected to be between $923.23 and $973.23, lower than the $1,000 issue price, reflecting commissions and hedging. The issuer expects to treat the PLUS as prepaid financial contracts for U.S. tax purposes, but notes that this treatment is uncertain and could change with future IRS or legislative action.