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Royal Bank of Canada is offering unsecured Enhanced Return Buffer Notes linked to an equally weighted basket of four equity indices: MSCI EAFE, MSCI Emerging Markets, EURO STOXX 50 and TOPIX. The notes are part of its Senior Global Medium-Term Notes, Series J.
The notes run from a February 11, 2026 issue date to a February 8, 2030 maturity. The initial Basket Value is set to 100, with a 20% downside buffer (Buffer Value 80) and a 123.35% participation rate in any positive basket performance, so gains are amplified above zero return.
If the Final Basket Value is at or above the Initial Basket Value, investors receive principal plus the amplified upside. If it is between the Initial Basket Value and the Buffer Value, principal is returned. Below the Buffer Value, principal is reduced in line with losses beyond 20%, so investors can lose a substantial portion of capital.
The price to the public is 100% of principal, with underwriting discounts and commissions of 0.60% and proceeds to Royal Bank of Canada of 99.40%. The initial estimated value is expected between $935 and $985 per $1,000, reflecting funding and hedging costs. The notes are not insured, are not bail-inable, and all payments depend on Royal Bank of Canada’s credit.
Royal Bank of Canada plans to issue fixed coupon barrier notes linked to the worst performer of Bank of America and Caterpillar common stock, maturing on August 21, 2026. The notes pay a fixed coupon of $49.167 per $5,000 each month, equal to 0.9833% monthly or 11.80% per year, regardless of underlier performance.
At maturity, investors receive their $5,000 principal back per note if the least performing stock is at or above its barrier, set at 70% of its initial value. If the least performing stock finishes below this barrier, investors receive shares of that stock instead of cash, based on a physical delivery amount, and may suffer substantial or total principal loss.
The initial estimated value is expected between $4,662.50 and $4,912.50 per $5,000, below the public offering price, reflecting fees, hedging costs and RBC’s funding rate. The notes are unsecured RBC debt, not insured by deposit insurance, not bail-inable, and carry complex and uncertain U.S. tax treatment, including potential withholding for non‑U.S. holders.
Royal Bank of Canada is issuing Bearish Performance Leveraged Upside Principal at Risk Securities (“Bearish PLUS”) linked inversely to the S&P 500 Index, maturing on February 16, 2027. The aggregate principal amount is $3,025,000, at $1,000 per note.
If the S&P 500 final value is below the initial level of 6,917.81, investors receive principal plus 300% of the inverse index return, capped at a maximum payment of $1,454 (145.40% of principal) per note. If the index rises, maturity payments fall one-for-one with the index gain and can be reduced to zero, so principal is fully at risk.
The notes pay no interest, are not listed on an exchange, and all payments depend on the credit of Royal Bank of Canada. The initial estimated value is $971.90 per note, below the $1,000 public offering price, reflecting fees, commissions and hedging costs.
Royal Bank of Canada is offering auto-callable enhanced return barrier notes linked to an equally weighted basket of AMD, Broadcom, Marvell Technology, NVIDIA and Oracle. Each note has a $1,000 minimum denomination, with a barrier at 65% of the initial basket value and a 150% participation rate if held to maturity.
The notes may be automatically called in March 2027 if the basket is at or above its initial value, paying at least 120% of principal. If not called, principal is protected at maturity so long as the final basket value stays at or above the 65% barrier, but investors can lose most or all of principal if the basket finishes below that level. The initial estimated value will range between $912.23 and $962.23 per $1,000, below the public offering price, and all payments are subject to RBC’s credit risk and complex tax treatment.
Royal Bank of Canada is offering $750,000 of Auto-Callable Contingent Coupon Barrier Notes linked to the worst performer of NVIDIA and Tesla common stock, maturing on February 7, 2029. The notes pay a contingent coupon of $55.625 per $1,000 (5.5625% per quarter, 22.25% per annum) only when, on a quarterly observation date, both underliers close at or above their coupon thresholds.
The NVDA underlier has an initial value of $185.61 and a coupon threshold and barrier of $102.09, while the TSLA underlier starts at $421.81 with a threshold and barrier of $232.00, each equal to 55% of its initial value. If, on a call observation date, both underliers are at or above their initial values, the notes are automatically called and repay $1,000 plus the coupon. If not called and the final value of the least performing underlier is below its barrier, repayment at maturity is reduced dollar-for-dollar with that underlier’s loss, potentially to zero, so investors can lose a substantial portion or all of principal. The price to the public is 100.00% of principal, with proceeds to Royal Bank of Canada of 99.00%, and an initial estimated value of $976.77 per $1,000.
Royal Bank of Canada is offering senior unsecured structured notes linked to Accenture plc Class A shares, paying an 11.00% per annum coupon. Investors receive fixed monthly coupons regardless of Accenture’s share performance.
The notes may be called quarterly if Accenture’s closing value is at or above the $241.65 initial value, returning $1,000 per note plus the due coupon. If not called and the final value is at or above the $205.40 conversion price (85% of the initial level), investors get $1,000 in cash per note plus the final coupon.
If the notes are not called and Accenture’s final share value is below the conversion price, investors still receive the coupon but are delivered about 4.8685 Accenture shares per $1,000 note, likely worth less than principal and potentially worth $0. The notes carry full downside market risk of the shares, are unsecured obligations of RBC, and will not be listed on an exchange.
Royal Bank of Canada is offering auto-callable structured notes tied to the worst performer of Dell Technologies Class C shares and Intel common stock. The notes are issued in $1,000 minimum denominations and expose holders to both the equity performance and RBC’s credit risk.
If, on the February 2027 call observation date, both stocks are at or above their initial levels, the notes are automatically redeemed early for at least $1,345 per $1,000, ending all further payments. If not called, at February 2029 maturity investors receive 150% of any positive return of the worst-performing stock, and a dual-directional buffer that can provide gains on moderate declines down to a 35% loss level, beyond which principal is reduced.
The bank expects the initial estimated value to be between $887 and $937 per $1,000, below the public offering price, reflecting dealer discounts, hedging costs and RBC’s internal funding rate. The notes are unsecured, not insured, and carry complex market, valuation, liquidity and tax risks.
Royal Bank of Canada is offering Capped Return Dual Directional Barrier Notes linked to the worst performer of the Nasdaq-100 Index® and S&P 500® Index, maturing on February 29, 2028. The notes are unsecured debt and are not insured by U.S. or Canadian agencies.
Per $1,000 note, investors pay 100% of principal, with proceeds to RBC of 97.75% after underwriting discounts. Upside is linked 1:1 to the least-performing index but capped at a maximum upside return of at least 23%, so the maximum payment if the least-performing index appreciates is at least $1,230.
If the least-performing index finishes at or below its initial level but at or above 75% of that level, the payoff increases as the index falls, up to a maximum 25% positive return. If it closes below 75% of its initial value, repayment is reduced in line with the index loss and investors can lose a substantial portion or all of principal. RBC’s initial estimated value is expected between $910 and $960 per $1,000 note, below the public price, reflecting internal funding and hedging costs.
Royal Bank of Canada is offering $2,499,000 of Auto-Callable Contingent Coupon Barrier Notes linked to the Nasdaq-100, Russell 2000 and S&P 500 indices. The notes pay a contingent coupon of $23.75 per $1,000 (9.50% per year) only if, on each quarterly observation date, every index is at or above 70% of its initial level.
The notes can be automatically called quarterly starting August 2026 if all indices are at or above their initial levels, returning $1,000 plus the coupon, with no further payments. If held to February 2031 and not called, investors get $1,000 back only if the worst-performing index finishes at or above 60% of its initial level; below that, principal loss matches the index decline, up to a total loss. The initial estimated value is $986.72 per $1,000, below the public price, and the notes are unsecured, uninsured obligations subject to RBC’s credit and complex U.S. tax treatment.
Royal Bank of Canada is offering Auto-Callable Enhanced Return Geared Buffer Notes linked to an equally weighted basket of CrowdStrike, Microsoft, Palo Alto Networks and Snowflake shares. The notes are unsecured debt of RBC and are not insured or bail-inable.
Per $1,000 principal, the price to the public is 100%, with 1.50% in underwriting discounts and 98.50% in proceeds to RBC. The initial estimated value is expected between $925 and $975 per $1,000, reflecting internal funding and hedging costs.
If, on the February 19, 2027 call observation date, the basket’s closing value is at or above its initial value, the notes are automatically called and pay $1,201.80 (120.18% of principal) with no further payments. If not called, at February 2028 maturity investors receive 125% of any positive basket return, full principal back if the basket decline is within a 15% buffer, and amplified losses if the basket falls beyond the 15% buffer, using a downside multiplier of 100%/85%. Investors may lose some or all principal, and all payments depend on RBC’s credit.