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Royal Bank of Canada is offering $5,499,000 of Auto-Callable Contingent Coupon Barrier Notes with Memory Coupon linked to Amazon, Bank of America and Alphabet Class A stock. The notes pay a contingent coupon of $29.625 per $1,000 (11.85% per year) only if each stock stays at or above 50% of its initial level on quarterly observation dates.
If all three underliers are at or above their initial values on any call observation date, the notes are automatically redeemed at $1,000 plus due coupons. If not called and the worst-performing stock finishes below its 50% barrier, investors receive shares of that stock instead of principal, exposing them to substantial or even total loss of their investment. All payments depend on Royal Bank of Canada’s credit.
Royal Bank of Canada plans to issue three Auto-Callable Contingent Coupon Barrier Notes with Memory Coupon, each tied to a single stock: Freeport-McMoRan, Halliburton, or UnitedHealth. The notes target annual contingent coupon rates between 10.00% and 11.50%, paid quarterly only when the relevant stock closes at or above a preset coupon threshold.
Each note can be automatically called on scheduled observation dates if the stock is at or above its initial level, repaying principal plus due coupons. If not called, principal is protected at maturity only if the final stock value stays at or above a barrier level set as 50%, 65% or 70% of the initial value, depending on the underlier; otherwise, repayment falls in line with the stock’s loss, and investors can lose most or all of their principal.
The notes are unsecured senior debt of Royal Bank of Canada, are not insured by Canadian or U.S. agencies, and have initial estimated values between $900 and $955 per $1,000, below the public offering price. The pricing supplement highlights complex risk and tax considerations, including potential U.S. federal income tax uncertainty and possible withholding for non-U.S. holders.
Royal Bank of Canada is offering redeemable fixed rate notes that pay 4.50% per annum, starting August 17, 2026 and maturing on February 17, 2033, with semiannual interest payments each February 17 and August 17.
The notes are callable at the bank’s option in whole, but not in part, on the February 17, 2028 interest date and on each interest payment date thereafter, upon 10 business days’ notice. They are unsecured senior bail-inable notes, subject to Canadian bail-in powers, and all payments depend on Royal Bank of Canada’s credit. U.S. tax counsel expects them to be treated as debt issued without original issue discount for federal income tax purposes.
Royal Bank of Canada is offering Bearish Performance Leveraged Upside Principal at Risk Securities (“Bearish PLUS”) linked inversely to the S&P 500® Index, maturing on February 16, 2027. Each note has a stated principal of $1,000 and no interest payments.
If the index falls, investors receive the principal plus 300% of the inverse index return, capped at a maximum payment of $1,454 per note (145.40% of principal). If the index rises, investors lose 1% of principal for every 1% index increase, and the payment can be reduced to $0, meaning the entire investment may be lost. The notes are senior unsecured debt under RBC’s Medium-Term Notes, Series J, not exchange‑listed, and all payments depend on RBC’s credit. The initial estimated value per note is expected between $921 and $971, below the $1,000 public offering price.
Royal Bank of Canada is offering auto-callable contingent coupon barrier notes linked to the Bloomberg US Large Cap VolMax Index, maturing on February 21, 2031. The notes pay a monthly contingent coupon of $15.208 per $1,000 (1.5208% per month, 18.25% per year) only when the index closes at or above 70% of its initial value on the prior observation date.
The notes can be automatically called beginning in February 2027 if the index is at or above its initial level, returning $1,000 plus the coupon and ending the investment. At maturity, if not called, investors receive full principal back only if the final index level is at or above a 60% barrier; otherwise, repayment is reduced one-for-one with the index loss, and principal can be largely or fully lost.
The initial estimated value is expected between $900 and $950 per $1,000, below the public offering price, reflecting internal funding and hedging costs. The VolMax index uses leverage, a 40% volatility target and daily deductions, which can significantly drag performance and increase risk.
Royal Bank of Canada is offering redeemable fixed rate senior notes due February 17, 2038 as part of its Series J medium-term note program. The notes pay fixed interest of 5.00% per annum, with interest paid annually on February 17, starting in 2027.
The notes are issued in minimum denominations of $1,000 and may be redeemed at the bank’s option, in whole but not in part, on the interest payment date scheduled for February 17, 2028 and on each annual interest payment date thereafter. They are subject to Canadian bail-in powers, meaning they can be converted into common shares or written down under the CDIC Act in a resolution scenario. RBC Capital Markets, LLC acts as underwriter, purchasing the notes at $975 to $1,000 per $1,000 principal amount and may reallow part of its underwriting discount to selected dealers.
Royal Bank of Canada is offering two Capped Enhanced Return Buffer Notes linked separately to the Nasdaq-100 Index and the Russell 2000 Index. The notes provide 150% participation in positive index performance, subject to a maximum return range of 20.50%–22.50% for the Nasdaq-100 note and 23%–25% for the Russell 2000 note.
Both notes include a 10% downside buffer; if the index falls more than 10%, investors lose principal based on the loss beyond this buffer. The price to the public is 100% of principal, with underwriting discounts of 2.25% and an initial estimated value between $912 and $962 per $1,000, reflecting fees and hedging costs. All payments depend on RBC’s credit and the notes are not insured or bail-inable.
Royal Bank of Canada is offering Capped Enhanced Return Buffer Notes linked to the S&P 500 Index. The Notes are unsecured debt and all payments depend on the bank’s credit.
For each $1,000 Note, investors receive 125% of any positive S&P 500 return, subject to a Maximum Return of 18%–20%, so the maximum maturity payment is $1,180–$1,200. If the index is flat or down by up to 10%, investors receive the full $1,000 back at maturity.
The Notes include a 10% downside buffer, but if the S&P 500 falls by more than 10%, principal is reduced on a 1‑for‑1 basis beyond that level. Hypothetical examples show that a 50% index decline would lead to a $600 payment per $1,000, a 40% loss of principal.
The price to the public is 100% of principal, with underwriting discounts of 2.25% and proceeds to Royal Bank of Canada of 97.75%. The initial estimated value is expected to be $917–$967 per $1,000, reflecting selling costs and hedging. The Notes do not pay coupons, are not insured, and may be hard to sell before maturity.
Royal Bank of Canada is offering auto-callable contingent coupon barrier notes linked to the worst performer of the Nasdaq-100 Technology Sector Index, the Russell 2000 Index and the S&P 500 Index. The notes pay a contingent coupon of $10 per $1,000 each month (12.00% per annum) when all three indices stay at or above 75% of their initial values on the relevant observation date.
The notes can be automatically called quarterly, starting about six months after issuance, if each index is at or above its initial value, returning $1,000 plus the applicable coupon. At maturity in 2029, if the notes are not called and the worst-performing index is at or above 70% of its initial value, investors receive full principal back (and any due coupon). If the worst-performing index finishes below 70%, repayment of principal is reduced one-for-one with that index’s loss, potentially to zero, and all payments depend on Royal Bank of Canada’s credit. The initial estimated value per $1,000 is expected to be between $926 and $976, below the public offering price.
Royal Bank of Canada is offering auto-callable contingent coupon barrier notes with a memory feature linked to the common stock of Delta Air Lines, Inc. Each Note pays a contingent coupon of $30 per $1,000 (3.00% per quarter, 12.00% per year) when Delta’s share price is at or above a coupon threshold set at 64% of the initial share value.
The Notes can be automatically called quarterly if Delta’s share price is at least equal to its initial level, in which case holders receive principal back plus any due coupons and the product terminates early. If the Notes are not called and Delta closes below the 64% barrier at maturity, investors receive Delta shares based on a physical delivery amount and can lose a substantial portion or all of their principal.
The initial estimated value is expected to be between $915 and $965 per $1,000 of principal, below the public offering price, reflecting fees, hedging costs and RBC’s funding rate. All payments depend on RBC’s credit. U.S. tax counsel currently views the Notes as prepaid financial contracts with associated coupons taxed as ordinary income, but this treatment is uncertain and could change.