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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.
Royal Bank of Canada is offering $2,107,000 of Auto-Callable Contingent Coupon Barrier Notes linked to the Bloomberg US Large Cap VolMax Index. These five-year notes pay a monthly contingent coupon of $11.875 per $1,000 (14.25% per annum) only when the index is at or above 60% of its initial level on the observation date.
The notes can be automatically called quarterly, starting about one year after issuance, if the index is at or above its initial level, returning $1,000 plus the coupon, with no further payments. If held to maturity and not called, principal is fully returned only if the final index level is at or above 50% of the initial value; below that barrier, repayment is reduced one-for-one with the index loss and can fall to zero.
The initial estimated value is $941.35 per $1,000, below the public offering price, reflecting dealer compensation, hedging costs and the issuer’s funding rate. The complex VolMax index uses leverage, daily rebalancing and ongoing financing and fee deductions, which can significantly drag on performance and increase risk of principal loss.
Royal Bank of Canada is issuing Auto-Callable Fixed Coupon Barrier Notes linked to the worst performer among Chevron, Halliburton and Valero common stocks. The notes pay a fixed coupon of 0.7167% per month (8.60% per annum) on a $1,000 minimum denomination.
The notes may be automatically called quarterly if each stock is at or above its initial level, returning $1,000 plus the coupon and ending further payments. If not called, and the worst-performing stock is at or above 50% of its initial value on the valuation date, investors receive $1,000 plus the final coupon.
If the worst-performing stock finishes below its 50% barrier, investors receive shares of that stock worth less than $1,000, potentially down to zero, plus the final coupon. The initial estimated value is expected to be $900–$950 per $1,000, below the public price, reflecting dealer compensation and hedging. The notes are unsecured RBC debt, not insured or bail-inable, and carry complex tax and withholding considerations.
Royal Bank of Canada is offering auto-callable contingent coupon barrier notes linked to the worst performer of the EURO STOXX® Banks Index and the Technology Select Sector SPDR® ETF. The notes pay a $40 contingent coupon per $1,000 per quarter (16% per annum) when both underliers are at or above 75% of their initial values.
The notes can be automatically called quarterly if both underliers are at or above their initial values, returning $1,000 plus the coupon. If held to maturity without being called, principal is fully repaid only if the worst underlier finishes at or above its 75% barrier; otherwise, repayment is reduced one-for-one with the underlier loss, potentially to zero.
The public offering price is at par, with underwriting discounts of 1.00% and an initial estimated value between $910 and $960 per $1,000, reflecting dealer compensation and hedging costs. The notes are unsecured debt of Royal Bank of Canada, are not insured, and all payments depend on the bank’s credit. U.S. tax treatment is based on treating the notes as prepaid financial contracts with coupons taxed as ordinary income, though the IRS could disagree.
Royal Bank of Canada is offering Senior Global Medium-Term Notes, Series J, that are auto-callable, contingent-coupon securities linked to the Class C stock of Zillow Group, Inc. The notes pay a 10.80% per annum contingent coupon, paid quarterly only when Zillow’s closing price on the calculation day is at or above 60% of the starting value.
The notes can be automatically called on quarterly dates from May 2026 to November 2028 if Zillow’s closing price is at least 90% of the starting value; in that case investors receive the $1,000 face amount plus the applicable coupon and the investment ends early. If not called, at maturity in February 2029 investors receive $1,000 per note only if Zillow’s final price is at or above 60% of the starting value.
If Zillow’s final price is below that 60% downside threshold, repayment is reduced in line with the stock’s decline from the starting value, meaning investors can lose more than 40%, up to their entire principal. Investors do not participate in any upside of the stock and receive no dividends. All payments depend on Royal Bank of Canada’s ability to meet its obligations, the notes are not insured, are not bail-inable, have an initial estimated value of $953.51 per $1,000, and are not expected to have an active trading market.