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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.
Royal Bank of Canada is issuing redeemable fixed rate notes due February 13, 2029 with a total public offering amount of $6,686,000. The notes pay a fixed interest rate of 4.00% per year, with annual interest payments starting on February 13, 2027.
The notes may be redeemed at the bank’s option in whole, but not in part, on the scheduled call dates of February 13, 2027 and February 13, 2028, at which time investors would receive principal plus the applicable interest payment. Proceeds to Royal Bank of Canada are $6,662,599 after underwriting discounts and commissions.
The notes are issued in minimum denominations of $1,000, are subject to Royal Bank of Canada’s credit risk, and are designated as bail-inable, meaning they can be converted into common shares or written down under Canadian bank resolution powers. The documents highlight specific risk, tax, and legal considerations that investors are urged to review carefully.
Royal Bank of Canada is issuing Enhanced Return Buffer Notes linked to the S&P 500 Market Agility 10 TCA 0.5% Decrement Index, maturing on February 25, 2031. The notes are unsecured senior debt and all payments depend on the bank’s credit.
The notes offer a 195% participation rate in positive index performance, with a 15% downside buffer. If the index is up at maturity, holders receive $1,000 plus 195% of the index gain per $1,000 note. If the index is flat or down by up to 15%, investors receive $1,000 back. Losses begin if the index falls more than 15%, with principal reduced in line with the decline beyond the buffer.
The price to the public is 100% of principal, with 1.00% underwriting discounts and 99.00% of proceeds to Royal Bank of Canada. The initial estimated value is expected between $910 and $960 per $1,000, reflecting structuring and hedging costs. The complex underlier includes fees, transaction costs and financing costs that systematically reduce its performance, and the product carries significant market, structural and tax risks.
Royal Bank of Canada is offering auto-callable contingent coupon barrier notes linked to the worst performer of two ETFs: the State Street Technology Select Sector SPDR ETF (XLK) and the SPDR S&P Oil & Gas Exploration & Production ETF (XOP). The notes pay a quarterly contingent coupon of 4.3375% (17.35% per year) per $1,000 principal only if, on each observation date, both underliers are at or above 80% of their initial values. The notes may be automatically called quarterly if both ETFs are at or above their initial levels, returning $1,000 plus the coupon. If not called and the worst-performing ETF finishes below its 80% barrier at maturity in February 2029, repayment of principal is reduced one-for-one with that loss, and investors can lose most or all of their investment. The initial estimated value is expected between $910.00 and $960.00 per $1,000, below the public price, and all payments depend on RBC’s credit.
Royal Bank of Canada is issuing $2,634,000 of issuer callable contingent coupon barrier notes linked to the common stock of Tesla, Inc., maturing on February 15, 2028. The notes pay a monthly contingent coupon of $12.667 per $1,000 (1.2667% per month, 15.20% per year) when Tesla’s closing price is at or above a coupon threshold of $212.61, which is 50% of the $425.21 initial underlier value.
RBC can call the notes quarterly, starting about six months after issuance, paying $1,000 per note plus any due coupon, with no further payments. If the notes are not called and Tesla’s final value on the February 10, 2028 valuation date is at or above the barrier value of $212.61, investors receive full principal back plus any due coupon. If Tesla finishes below the barrier, repayment equals $1,000 plus $1,000 times the stock return, so losses can reach all or most of principal.
The public offering price is 100% of principal, with 0.25% in underwriting discounts and commissions, so RBC receives 99.75% of proceeds. The bank’s initial estimated value is $980.49 per $1,000, below the offering price, reflecting internal funding rates, selling concessions and hedging costs. The notes are unsecured senior debt of RBC, are not insured by Canadian or U.S. deposit insurers, and carry U.S. federal income tax uncertainty, including ordinary income treatment for coupons and potential withholding considerations for non-U.S. holders.
Royal Bank of Canada is offering auto-callable fixed coupon barrier notes linked to the least performing of AMD, Progressive and Exxon Mobil common shares. The Notes pay a fixed coupon of $10.167 per $1,000 each month, corresponding to 12.20% per annum, until auto-call or maturity in February 2029.
The notes may be automatically called quarterly if each underlier is at or above its initial value, returning $1,000 plus the coupon. If not called, principal is protected only if the worst underlier finishes at or above 50% of its initial value; otherwise investors receive shares of that worst underlier and can lose most or all of their principal. The Notes are unsecured RBC debt, not insured, and the initial estimated value is expected between $905 and $955 per $1,000.
Royal Bank of Canada is offering redeemable fixed rate notes with a total public offering price of $2,860,000. The notes pay 4.25% per annum, with semiannual interest starting February 13, 2026, and mature on February 13, 2031 if not redeemed earlier.
The notes are callable at the bank’s option, in whole only, on the February 13, 2028 interest payment date and on each interest payment date thereafter, at par plus accrued interest. They are issued in minimum denominations of $1,000, are subject to Canadian bail-in powers, and all payments depend on Royal Bank of Canada’s credit.