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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.
Royal Bank of Canada is offering auto-callable enhanced return dual directional barrier notes linked to the common stock of Salesforce, Inc., maturing on February 23, 2029. The notes are unsecured senior debt of RBC and are not insured by any government agency.
Each note is issued at 100% of principal, with underwriting discounts of 2.50%, so RBC’s proceeds are 97.50% per $1,000. The initial estimated value is expected between $914 and $964 per $1,000, reflecting structuring and hedging costs.
The notes may be automatically called on February 24, 2027 if Salesforce’s stock is at or above its initial value, paying at least $1,225 per $1,000 and then terminating. If not called, a 125% participation rate applies to positive stock returns at maturity.
The structure is “dual directional” with a downside barrier at 70% of the initial stock value: moderate declines can still produce gains, but if the final stock value falls below the barrier, investors are fully exposed to losses and can lose most or all principal. All payments depend on RBC’s credit.
Royal Bank of Canada is offering auto-callable contingent coupon barrier notes linked to the Solactive Equal Weight U.S. Semi Conductor Select AR Index. The notes pay a monthly contingent coupon of $9.583 per $1,000 (11.50% per annum) only when the index is at or above 75% of its initial value on the observation date.
The notes can be automatically called quarterly if the index is at or above its initial value, returning $1,000 per note plus the applicable coupon. If held to maturity and not called, principal is fully repaid only if the final index value is at least 70% of the initial level; otherwise repayment is reduced one-for-one with the index loss, and investors can lose most or all of their principal.
The price to the public is 100% of principal, with proceeds to Royal Bank of Canada of 97.75% after underwriting discounts. The initial estimated value is expected between $900 and $950 per $1,000, reflecting selling commissions, hedging costs and the bank’s internal funding rate. The notes are unsecured RBC debt, not insured by deposit insurers, and their U.S. tax treatment is expected to follow prepaid financial contracts with coupons taxed as ordinary income, subject to IRS uncertainty.
Royal Bank of Canada is offering redeemable fixed rate notes due February 9, 2029 as part of its senior global medium-term notes program. The notes pay a fixed interest rate of 4.00% per annum, with interest paid semiannually on February 9 and August 9, beginning August 9, 2026.
Royal Bank of Canada may, at its option, redeem all (but not part) of the notes on the August 9, 2027 interest payment date and on any subsequent interest payment date, paying principal plus the applicable interest. The notes are subject to Canadian bail-in powers, meaning they can be converted into common shares or varied or extinguished if the Canadian bail-in regime is triggered. All payments are subject to Royal Bank of Canada’s credit risk, and the notes are not insured by Canadian or U.S. deposit insurance agencies.
Royal Bank of Canada is offering auto-callable contingent coupon barrier notes linked to the Solactive Equal Weight U.S. Semi Conductor Select AR Index. The notes pay a contingent monthly coupon of $11.667 per $1,000 (1.1667% per month, 14.00% per annum) only when the index closes at or above 75% of its initial value on the relevant observation date.
The notes can be automatically called quarterly if the index is at or above its initial value, returning $1,000 plus the coupon, with no further payments. If held to maturity and the final index value is below the 70% barrier, repayment of principal is reduced one-for-one with the index loss, and investors can lose most or all of their investment.
The initial estimated value is expected to be between $910.00 and $960.00 per $1,000, below the public offering price, reflecting fees and hedging costs. U.S. tax counsel currently expects to treat the notes as prepaid financial contracts with associated coupons taxed as ordinary income, but this treatment is uncertain and could change.
Royal Bank of Canada is offering Auto-Callable Contingent Coupon Barrier Notes linked to the Bloomberg US Large Cap VolMax Index, maturing on February 13, 2031. These are unsecured senior debt securities with no principal protection and are not insured or bail-inable.
The Notes pay a contingent coupon of $11.875 per $1,000 (1.1875% per month, 14.25% per annum) only if, on each monthly observation date, the index is at or above a Coupon Threshold set at 60% of its initial level. Quarterly, starting about one year after issuance, the Notes are auto-callable if the index is at or above its initial level, returning $1,000 plus any coupon then due, with no further payments.
If the Notes are not called, maturity payment depends on the final index level. Investors receive full principal back if the final level is at or above a Barrier Value equal to 50% of the initial level, plus any coupon due. If the final level is below the Barrier, repayment is reduced one-for-one with the index loss, and up to the entire principal can be lost.
The public offering price is 100% of principal, but the initial estimated value is expected between $900 and $950 per $1,000, reflecting underwriting discounts, hedging costs and RBC’s internal funding rate. The complex Underlier embeds daily deductions, leverage and financing costs that can materially drag on index performance and increase risk.