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Royal Bank of Canada is offering senior unsecured market-linked notes tied to the common stock of GE Vernova Inc., maturing on February 16, 2029, with a face amount of $1,000 per security. These notes pay a contingent quarterly coupon at a minimum rate of 14.20% per annum only when GE Vernova’s stock closes at or above a preset coupon threshold on the relevant calculation day.
The notes are auto-callable quarterly from May 2026 through November 2028 if the stock is at or above the starting value, in which case investors receive the $1,000 face amount plus the final contingent coupon. If not called and the ending stock value is at or above 50% of the starting value, investors receive only the $1,000 principal. If the ending value is below this 50% downside threshold, repayment is reduced in proportion to the stock’s decline, exposing investors to losses greater than 50% and up to a complete loss of principal.
The initial estimated value per security on the pricing date is expected to be between $917.00 and $967.00, less than the $1,000.00 original offering price, reflecting internal funding, hedging costs, and the agent discount of $23.25 per security, leaving $976.75 in proceeds to Royal Bank of Canada. The notes are not insured, are not bail-inable, and all payments depend on Royal Bank of Canada’s credit.
Royal Bank of Canada is offering auto-callable contingent coupon barrier notes linked to the worst performer among the Russell 2000, S&P 500 and EURO STOXX 50 indices, maturing on February 14, 2030. The notes pay a quarterly contingent coupon of $22.875 per $1,000 (about 9.15% per year) only if each index on the observation date is at or above 70% of its initial level.
The notes can be automatically called quarterly starting February 11, 2027 if all indices are at or above their initial values, in which case investors receive $1,000 plus the coupon and the product ends. If the notes are not called and the worst-performing index finishes below 70% of its initial value at maturity, repayment of principal is reduced one-for-one with that index’s loss, up to a total loss of principal.
The price to the public is set at 100% of principal, with underwriting discounts and commissions of 2.35%, leaving 97.65% in proceeds to Royal Bank of Canada. The bank’s initial estimated value is expected to be between $908 and $958 per $1,000, reflecting internal funding rates, fees and hedging costs. U.S. tax counsel currently expects to treat the notes as prepaid financial contracts with associated coupons, but the treatment is uncertain and could change with future IRS or legislative action.
Royal Bank of Canada is offering auto-callable contingent coupon barrier notes with a memory feature linked to the Russell 2000 Index, the VanEck Semiconductor ETF (SMH) and the Utilities Select Sector SPDR ETF (XLU). The notes pay a contingent coupon of $25 per $1,000 each quarter (an annual rate of 10.00%) when all underliers are at or above 70% of their initial values. Missed coupons can be paid later if conditions are met.
The notes are automatically called if, on designated observation dates starting in February 2027, each underlier is at or above its initial value, returning $1,000 plus due coupons. If held to maturity and not called, principal is protected only if the least performing underlier finishes at or above 60% of its initial value; below that level, repayment is reduced in line with the loss of the worst underlier, up to a total loss of principal.
The initial estimated value is expected to be $860–$910 per $1,000, below the public offering price, reflecting dealer compensation, hedging and RBC’s internal funding rate. The notes are unsecured RBC debt, not insured by U.S. or Canadian deposit insurers, and carry complex U.S. federal income tax treatment, generally as prepaid financial contracts with taxable coupons and potential withholding for non-U.S. holders.
Royal Bank of Canada is offering auto-callable contingent coupon barrier notes linked to the common stock of Lam Research Corporation. The notes pay a quarterly contingent coupon of $54.75 per $1,000 in any period when Lam’s share price is at or above a coupon threshold set at 50% of the initial share value.
If on any quarterly call observation date Lam’s share price is at or above its initial value, the notes are automatically called, and investors receive $1,000 plus the applicable coupon, with no further payments. If the notes are not called and Lam’s final share value on the valuation date is at or above the 50% barrier, investors receive full principal back plus any due coupon. If the final share value is below the barrier, repayment of principal is reduced one-for-one with Lam’s decline, and investors can lose most or all of their investment. All payments depend on Royal Bank of Canada’s ability to meet its obligations and are not insured by any government agency.
Royal Bank of Canada is offering issuer callable contingent coupon buffer notes linked to the Bloomberg US Large Cap VolMax Index. The notes pay a contingent coupon of $10.333 per $1,000 each month (approximately 12.40% per year) when the index closes at or above 60% of its initial value on the prior observation date, with a memory feature for missed coupons.
The notes have a 20% downside buffer: at maturity in 2031, if they have not been called and the index is at or above 80% of its initial value, investors receive full principal back; below that level, principal is reduced according to index losses beyond the buffer. RBC may call the notes monthly starting about one year after issuance, repaying $1,000 plus any due coupons. The price to the public is 100% of principal, with 1% underwriting discounts, and the initial estimated value is expected between $927 and $977 per $1,000, reflecting structuring and hedging costs. The VolMax index uses leverage, daily rebalancing and deductions (notional financing cost, a 6% annual deduction and transaction costs), which can significantly drag performance, and tax treatment involves noted U.S. federal income tax uncertainties.
Royal Bank of Canada plans to issue market-linked, auto-callable notes tied to the Class C stock of Zillow Group, Inc. Each security has a $1,000 face amount, with an initial estimated value expected between $917 and $967, below the original offering price.
The notes pay a contingent coupon at a rate of at least 10.80% per year, payable quarterly only if Zillow’s closing price on the calculation day is at or above 60% of the starting value. From May 2026 through November 2028, the notes are automatically called if Zillow closes at or above 90% of the starting value, returning the $1,000 face amount plus that period’s coupon.
If not called, at maturity in February 2029 investors receive $1,000 per note if Zillow’s ending value is at or above the 60% downside threshold; otherwise principal is reduced in line with Zillow’s decline, and up to the entire investment can be lost. The notes are unsecured senior obligations of Royal Bank of Canada, not insured and subject to the bank’s credit risk, with complex U.S. tax and withholding consequences described in the document.
Royal Bank of Canada is offering $15,000,000 of Redeemable Fixed Rate Notes with a 4.00% annual interest rate, paid semiannually each February 9 and August 9, beginning August 9, 2026. The Notes are scheduled to mature on February 9, 2029, if not redeemed earlier.
The Notes are callable at the bank’s option, in whole but not in part, on the August 9, 2027 interest date and on each interest payment date thereafter, with 10 business days’ notice. They are "bail-inable" under Canadian law, meaning they may be converted into common shares or written down in a resolution scenario, and they are not insured by Canadian or U.S. deposit insurers.
The price to the public is 100.00% of principal, with underwriting discounts and commissions of 0.25%, resulting in proceeds to Royal Bank of Canada of 99.75% of the principal amount.
Royal Bank of Canada is issuing auto-callable contingent coupon barrier notes linked to the EURO STOXX Banks Index and the SPDR S&P Oil & Gas Exploration & Production ETF. These structured notes pay a high contingent coupon but expose investors to potential loss of principal.
Investors may receive quarterly contingent coupons of $46.50 per $1,000 principal amount (4.65% per quarter, 18.60% per annum) if on each observation date both underliers are at or above 75% of their initial values. The notes are automatically called, returning $1,000 plus the contingent coupon, if on any call observation date both underliers are at or above their initial values.
If the notes are not called, principal repayment at maturity depends on the worst-performing underlier. Full principal is returned if its final value is at or above the 75% barrier; otherwise, repayment is reduced one-for-one with the underlier loss, up to total loss. The price to the public is 100% of principal, with underwriting discounts of 1.00% and proceeds to Royal Bank of Canada of 99.00% per $1,000, while the initial estimated value is expected between $910.00 and $960.00.
Royal Bank of Canada is offering auto-callable contingent coupon barrier notes linked to the weaker of Bank of America and ConocoPhillips stock. The offering totals $3,962,000 at 100% of principal, with net proceeds of $3,882,760 after a 2% underwriting discount.
The notes pay a quarterly contingent coupon of $26.125 per $1,000 (10.45% per annum) only if each stock stays at or above 55% of its initial value, with a memory feature for missed coupons. The notes can be automatically called quarterly if both stocks are at or above their initial levels, returning principal plus due coupons. If not called and the weaker stock finishes below its 55% barrier, principal is reduced one-for-one with the stock loss, and investors may lose most or all of their investment. The initial estimated value is $976.75 per $1,000, below the public offering price.
Royal Bank of Canada is offering auto-callable contingent coupon barrier notes with a memory coupon linked to the Russell 2000® Index, maturing on February 23, 2027. The notes are priced at 100% of principal, with a 1.00% underwriting discount and 99.00% proceeds to the bank.
Each note pays a quarterly contingent coupon of $23.325 per $1,000 if the index is at or above the coupon threshold on the observation date. The initial underlier value is 2,577.646, and the coupon threshold and barrier are 75% of that level, or 1,933.235. The notes are automatically called if the index is at or above the initial level on any call observation date.
If the notes are not called and the final index value is below the barrier, repayment of principal is reduced one-for-one with the index decline, potentially down to zero. The initial estimated value is expected to be between $930.00 and $980.00 per $1,000 face amount, reflecting structuring and hedging costs.