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Royal Bank of Canada is issuing $2,748,000 of Redeemable Fixed Rate Notes due February 17, 2038. The Notes pay a fixed interest rate of 5.00% per annum, with interest paid annually on February 17, starting in 2027.
The price to the public is 100.00% of principal, with underwriting discounts and commissions of 0.97%, resulting in proceeds to Royal Bank of Canada of 99.03%, or $2,721,344.40. The Notes are callable at the bank’s option, in whole but not in part, on February 17, 2028 and on each subsequent annual interest payment date, with 10 business days’ prior notice.
The Notes are senior bail-inable obligations subject to Canadian bail-in powers, meaning they may be converted into common shares or otherwise varied or extinguished under the Canada Deposit Insurance Corporation Act. For U.S. federal income tax purposes, counsel views the Notes as debt instruments issued without original issue discount.
Royal Bank of Canada is offering auto-callable contingent coupon barrier notes linked to the worst-performing of three ETFs: the iShares U.S. Real Estate ETF, the VanEck Semiconductor ETF and the State Street Utilities Select Sector SPDR ETF. The notes mature on February 24, 2031.
Investors may receive a monthly contingent coupon of $10.417 per $1,000 (about 12.5% per year) only if all underliers stay at or above a 70% threshold on observation dates. The notes can be automatically called quarterly if each ETF is at or above its initial value.
If the notes are not called and the worst ETF finishes at or above 70% of its initial value, investors get full principal back plus any final coupon. If it finishes below 70%, repayment is reduced one-for-one with the loss in that ETF, and principal losses can reach 100%. The price to the public is 100% of principal, with dealer compensation reducing net proceeds to 96.375%, and the initial estimated value is expected between $885 and $935 per $1,000.
Royal Bank of Canada is offering auto-callable contingent coupon barrier notes linked to the Russell 2000, S&P 500 and EURO STOXX 50 indices. The notes pay a quarterly contingent coupon of at least $21 per $1,000 (at least 8.40% per year) if each index stays at or above 70% of its initial level on observation dates.
The notes can be called early each quarter starting in February 2027 if all indices are at or above their initial levels, returning $1,000 plus the coupon. If held to maturity in February 2030 and the worst-performing index finishes below its 70% barrier, repayment of principal is reduced one-for-one with that index’s loss, potentially down to zero.
The price to the public is 100% of principal, with underwriting discounts of 2.50% and proceeds to Royal Bank of Canada of 97.50%. The initial estimated value is expected to be between $898.16 and $948.16 per $1,000, reflecting internal funding and hedging costs. Payments are subject to Royal Bank of Canada’s credit risk and complex U.S. federal income tax treatment.
Royal Bank of Canada is issuing $359,000 Redeemable Fixed Rate Notes due on February 17, 2033. The notes pay a fixed interest rate of 4.50% per annum, with interest paid semiannually on February 17 and August 17, beginning August 17, 2026.
The notes are callable at the bank’s option, in whole but not in part, on the interest payment date scheduled for February 17, 2028 and on each interest payment date thereafter, with 10 business days’ prior notice. They are issued at 100.00% of principal, with underwriting discounts of 0.72%, resulting in proceeds to Royal Bank of Canada of $356,415.20.
The notes are bail-inable under Canadian law, meaning they may be converted into common shares or otherwise varied or extinguished if Canadian bail-in powers are exercised. Payments depend on Royal Bank of Canada’s credit, and the notes are not insured by Canadian or U.S. deposit insurance agencies.
Royal Bank of Canada is offering redeemable fixed rate notes that pay interest at 3.675% per annum. The notes are issued in minimum investments of $1,000, priced around par, and form part of the bank’s Senior Global Medium-Term Notes, Series J program.
The notes mature on April 12, 2027, with interest payable on February 19, 2027 and at maturity. They are callable at the bank’s option on February 19, 2027 at par plus accrued interest. The notes are bail-inable under Canadian law, are subject to the bank’s credit risk, and are not insured by Canadian or U.S. deposit insurance agencies. Investors are directed to extensive risk factor and U.S. federal income tax discussions in the accompanying documents.
Royal Bank of Canada is offering $1,681,000 of Auto-Callable Contingent Coupon Barrier Notes linked to the capital stock of The Campbell’s Company. These are unsecured RBC debt securities that pay a contingent monthly coupon of $12.083 per $1,000 (about 1.2083% per month, 14.50% per year) only when the stock closes at or above a threshold.
The initial stock value is $29.32, and both the coupon threshold and barrier are set at 77% of that level, or $22.58. Beginning about six months after issuance, the notes auto-call monthly if the stock is at or above the initial value, returning $1,000 plus the coupon. If not called, maturity repayment depends on the final stock value: full principal back if it is at or above the barrier, or a loss matching the percentage decline if it finishes below the barrier, up to total loss of principal.
The initial estimated value is $989.41 per $1,000, below the public offering price, reflecting internal funding and hedging costs. Payments depend on RBC’s credit, and complex U.S. tax treatment and potential withholding, especially for non-U.S. investors, are highlighted as key risk factors.
Royal Bank of Canada is issuing $1,488,000 of S&P 500® Index-linked structured notes due June 16, 2027. Each $1,000 note pays no interest and its final payment depends on index performance from February 11, 2026 to June 14, 2027.
If the index rises, investors receive 160% of the index gain, capped at a maximum settlement of $1,165.92 per $1,000 note once the index reaches 110.37% of its initial level of 6,941.47. If the index finishes between 90% and 100% of the initial level, investors receive back only the $1,000 principal.
Below 90% of the initial level, principal losses accelerate: investors lose about 1.1111% of principal for each 1% the index falls below the buffer level, with potential for a total loss. The initial estimated value is $995.67 per $1,000, below the issue price, reflecting issuing and hedging costs. The notes are unsecured RBC obligations, not FDIC- or CDIC-insured, will not be listed, and may have limited or illiquid secondary trading.
Royal Bank of Canada is offering $2,505,000 of Auto-Callable Enhanced Return Barrier Notes linked to the EURO STOXX 50® Index. The notes are issued at 100% of principal with underwriting discounts of 3.35%, providing net proceeds of about $2.42 million to the bank.
The notes can be automatically called on February 17, 2027 if the index is at or above its initial level, paying $1,116 per $1,000 (an 11.6% return) with no further payments. If not called, at maturity in February 2031 investors get 200% participation in any index gains, full principal back if the index is down but above a 75% barrier, and one‑for‑one downside exposure below that barrier, which can lead to a substantial or total loss of principal.
The minimum investment is $1,000. The initial estimated value is $962.34 per $1,000, below the public offering price, reflecting hedging and distribution costs. The notes carry RBC credit risk, limited liquidity, complex U.S. tax treatment and are not insured by Canadian or U.S. deposit insurance agencies.
Royal Bank of Canada is offering $5,739,000 of Auto-Callable Contingent Coupon Barrier Notes linked to the Russell 2000, S&P 500 and EURO STOXX 50 indices. These four-year notes pay a contingent quarterly coupon of $22.875 per $1,000 (9.15% per year) only when all three indices are at or above 70% of their initial levels on the observation date.
The notes can be automatically called quarterly from February 2027 onward if each index is at or above its initial level, returning $1,000 plus the coupon, with no further payments. If not called and the worst-performing index ends below 70% of its initial value at maturity in February 2030, principal is reduced one-for-one with the index loss, potentially to zero.
The public offering price is $1,000 per note, with underwriting discounts of 2.35%, so proceeds to the issuer are 97.65%. The initial estimated value is $968.63 per $1,000, reflecting fees and hedging costs. The notes carry RBC credit risk, are not insured, and involve complex tax treatment and significant downside risk.
Royal Bank of Canada is offering $1,276,000 of Auto-Callable Contingent Coupon Barrier Notes linked to the least performing of Apple, Disney and Oracle common stock. The notes pay a contingent coupon of $18.625 per $1,000 (1.8625% monthly, 22.35% annually) only when all three stocks close at or above 60% of their initial values on the relevant observation date.
The notes can be automatically called quarterly, starting about six months after issuance, if each stock is at or above its initial level, returning $1,000 plus the coupon, with no further payments. If not called, principal is protected at maturity only if the worst performer stays at or above 50% of its initial value; below that 50% barrier, repayment is reduced one-for-one with the loss in the worst stock, and investors could lose all principal.
The price to the public is 100% of principal, but the initial estimated value is $984.32 per $1,000, reflecting dealer compensation, hedging costs and the bank’s funding rate. The notes carry Royal Bank of Canada credit risk and involve complex U.S. tax treatment with potential 30% withholding for some non-U.S. holders.