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Royal Bank of Canada is offering two primary Auto-Callable Contingent Coupon Barrier Notes with Memory Coupon totaling $763,000 linked to Class A common stock of Airbnb, Inc. and $633,000 linked to common stock of Newmont Corporation. These three-year notes pay quarterly contingent coupons of 9.50% and 11.25% per annum, respectively, but only when the related stock closes at or above a preset coupon threshold.
The Airbnb-linked note uses an initial underlier value of $131.55 with a barrier and coupon threshold at 70% of that level, while the Newmont-linked note uses $131.95 with a 60% barrier and threshold. If, on a call observation date, the underlier is at or above its initial value, the notes are automatically called and repay principal plus any due and unpaid coupons. If the notes are not called and the final underlier value is below the barrier, repayment at maturity is reduced one-for-one with the stock decline, and investors can lose a substantial portion or all of their principal.
Royal Bank of Canada is offering auto-callable contingent coupon barrier notes linked to the common stock of NVIDIA Corporation. The notes pay a contingent coupon of $10.083 per $1,000 monthly, equal to 12.10% per annum, but only when NVIDIA’s closing value is at or above a coupon threshold set at 58% of the initial value.
The notes can be automatically called monthly starting in August 2026 if NVIDIA is at or above its initial value, in which case investors receive $1,000 plus the coupon and no further payments. If the notes are not called and NVIDIA finishes below the 58% barrier at maturity in March 2027, repayment of principal is reduced one-for-one with the decline, and investors could lose all of their investment.
The initial estimated value per $1,000 note is expected to be between $919 and $969, below the public offering price, reflecting underwriting discounts, referral fees, hedging costs and a lower internal funding rate. Payments depend on RBC’s credit, and the tax treatment is uncertain, with counsel currently viewing the notes as prepaid financial contracts with associated coupons.
Royal Bank of Canada is offering auto-callable contingent coupon barrier notes linked to the Class A common stock of Meta Platforms, Inc. at 100% of principal, in $1,000 minimum denominations. Underwriting discounts are 1.75%, so proceeds to Royal Bank of Canada are 98.25% of the price to the public.
The notes pay a contingent coupon of at least $22.50 per $1,000 per quarter (at least 9.00% per year) only if Meta’s closing value on the relevant observation date is at or above a coupon threshold set at 60% of the initial value. The notes are automatically called on any quarterly call observation date if Meta closes at or above its initial value, returning $1,000 plus the applicable coupon.
If not called, and Meta’s final value on the valuation date is at or above the 60% barrier, investors receive $1,000 plus any due coupon. If Meta finishes below the barrier, investors receive Meta shares equal to $1,000 divided by the initial value, potentially losing most or all principal. The initial estimated value per $1,000 is expected to be between $920 and $970, below the public offering price, reflecting structuring and hedging costs.
Royal Bank of Canada is issuing Capped Enhanced Return Buffer Notes linked to the EURO STOXX 50® Index, with a total public offering of $520,000 at 100% of principal and proceeds to the bank of $508,300 after underwriting discounts.
The notes run from January 30, 2026 to a maturity date of February 1, 2028, offering 200% participation in any index gains, capped at a 19% maximum return, so the maximum payment is $1,190 per $1,000 note. A 15% buffer protects principal against moderate declines, but if the index falls more than 15%, investors lose principal in line with losses beyond the buffer.
The initial estimated value is $962.80 per $1,000 note, below the public price, reflecting fees, hedging costs and RBC’s funding rate. The notes are unsecured debt subject to RBC’s credit risk and are not insured or bail-inable.
Royal Bank of Canada is offering Autocallable Strategic Accelerated Redemption Securities linked to an international equity index basket, with a public offering price of $10.00 per note and proceeds to RBC of $9.80 per note before expenses.
The notes are senior unsecured debt of RBC, pay no interest, and are fully exposed to RBC’s credit risk. They can be automatically called in February 2027, 2028 or 2029 if the basket level is at or above the 100% Call Level, paying preset Call Amounts that imply call premiums of 8.50%–9.50%, 17.00%–19.00% or 25.50%–28.50% over principal, respectively.
If the notes are not called and the final basket value is below the 100% Threshold Value, investors lose principal on a 1-for-1 basis, as illustrated by a 50% basket decline producing a $5.00 redemption per $10 note. The basket starts at 100 and combines the EURO STOXX 50 (40%), FTSE 100 (20%), Nikkei 225 (20%), Swiss Market Index (7.5%), S&P/ASX 200 (7.5%) and FTSE China 50 (5%).
The initial estimated value is expected between $9.10 and $9.60 per note, below the $10 price, reflecting RBC’s internal funding rate, a $0.20 underwriting discount and a $0.05 hedging-related charge per unit. Investors forgo dividends and conventional bond interest and may face limited liquidity.
Royal Bank of Canada is issuing Auto-Callable Enhanced Return Barrier Notes linked to a basket of five global equity indices. The basket includes the EURO STOXX 50 (40% weight), Nikkei 225 (25%), FTSE 100 (17.5%), Swiss Market Index (10%) and S&P/ASX 200 (7.5%). The total offering size is $336,000, with underwriting discounts of 3.5% and proceeds to RBC of $324,240.
The Notes may be automatically called on February 3, 2027 if the basket is at or above its initial value, paying $1,110 per $1,000 principal (an 11% return) and then terminating. If not called, they mature in January 2031. At maturity, investors get enhanced upside with a 125% participation rate if the basket has risen, full principal back if the basket is between 75% and 100% of its initial level, and one-for-one losses if it falls below the 75% barrier, meaning substantial or total loss of principal is possible.
The initial estimated value is $940.95 per $1,000 principal, below the public price, reflecting internal funding and hedging costs. The Notes are unsecured RBC debt, not insured by deposit insurers, and their value and tax treatment involve additional risks described in the accompanying documents.
Royal Bank of Canada is offering Auto-Callable Contingent Coupon Barrier Notes linked to the Bloomberg US Large Cap VolMax Index, with a total price to the public of $53,000. Investors pay 100% of principal, while RBC receives 96% after underwriting discounts.
The Notes pay a monthly contingent coupon of $10.625 per $1,000 (12.75% per annum) only when the index closes at or above a coupon threshold set at 60% of the initial value. The same 60% level acts as a barrier for principal protection at maturity.
The Notes can be automatically called quarterly if the index is at or above its initial value, returning principal plus the contingent coupon. If held to maturity and the final index value falls below the barrier, repayment is reduced one-for-one with the index loss, and investors can lose most or all of their principal.
The initial estimated value is $915.02 per $1,000 principal, reflecting structuring and hedging costs. The VolMax index itself uses leverage, a 40% target volatility, and daily deductions for notional financing, a 6% annual factor, and transaction costs, which can significantly drag on performance.
Royal Bank of Canada is offering $3,586,000 of Barrier Digital Notes linked to the worst performer of the MSCI Emerging Markets Index and the EURO STOXX 50 Index. The Notes are issued at 100% of principal, with proceeds to the bank of $3,460,490 after underwriting discounts.
At maturity in 2031, investors receive per $1,000: $1,000 plus the greater of the least-performing index return or a 57% digital return if that index finishes at or above its initial level; full principal back if it is below the initial level but at or above 70% of that level; and a proportionate loss of principal if it closes below the 70% barrier. The initial estimated value is $940.48 per $1,000, below the public offering price, and all payments are subject to Royal Bank of Canada’s credit risk.
Royal Bank of Canada is issuing $752,000 in structured Notes linked to an equally weighted basket of ten large U.S. equity securities, maturing on July 31, 2031. The basket includes Cisco, Chevron, Duke Energy, Coca-Cola, Lockheed Martin, McDonald’s, Medtronic, PepsiCo, Southern Company and Verizon.
For each $1,000 Note, investors receive at maturity: if the final basket value is above the initial value, $1,000 plus 100% of the basket gain; if the basket is flat or lower, only the $1,000 principal, creating downside protection but no upside leverage. All payments depend on RBC’s credit.
The public offering price is 100% of principal, with underwriting discounts and commissions of 3.89%, so RBC’s proceeds are 96.11% or $722,745. The initial estimated value is $960.21 per $1,000, reflecting internal funding and hedging costs. The Notes are treated as contingent payment debt instruments for U.S. tax purposes and are expected not to be subject to Section 871(m) withholding for Non-U.S. Holders under current rules.
Royal Bank of Canada is offering Capped Enhanced Return Buffer Notes linked to the S&P 500 Index, with a total public offering of $912,000 and proceeds to the issuer of $893,155. The Notes pay 125% of any positive index return, capped at an 18% maximum return, so the most an investor receives at maturity is $1,180 per $1,000 note.
A 10% downside buffer protects principal if the index falls by up to 10%, but below that level principal is reduced and investors can lose a substantial amount. The initial estimated value is $968.64 per $1,000 note, reflecting underwriting discounts, referral fees and hedging costs. The Notes depend on Royal Bank of Canada’s credit and are unsecured, uninsured debt maturing in February 2028.