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Royal Bank of Canada is offering Autocallable Strategic Accelerated Redemption Securities linked to the State Street SPDR S&P Biotech ETF (XBI), at $10 per unit, maturing around February 2029 if not called earlier.
The notes may be automatically called after roughly one, two or three years if the ETF’s price is at or above its starting level. Indicative call payments per unit are $11.25–$11.35 on the first observation date, $12.50–$12.70 on the second, and $13.75–$14.05 on the final observation date. If never called and the ETF finishes below the starting value, investors have 1‑to‑1 downside exposure and can lose principal.
The notes pay no periodic interest, are senior unsecured obligations of RBC and are subject to RBC’s credit risk. The public offering price is $10.00 per unit, including a $0.20 underwriting discount and a $0.05 hedging-related charge. The initial estimated value is expected between $8.97 and $9.47 per unit, lower than the offering price, and secondary market liquidity is expected to be limited with no exchange listing.
Royal Bank of Canada is offering Capped Enhanced Return Dual Directional Buffer Notes linked to the VanEck Gold Miners ETF. The total offering is $2.55 million, with proceeds to the bank of 97.5% after underwriting discounts.
The Notes provide 200% upside participation in the ETF up to a maximum 46% gain ($1,460 per $1,000). They feature a 20% downside buffer, but investors lose principal if the ETF falls more than 20%, potentially substantially. The initial estimated value is $948.72 per $1,000, below the public price, reflecting fees and hedging costs. Complex U.S. tax treatment and ETF, market and liquidity risks apply, and investors are urged to review detailed risk and tax discussions.
Royal Bank of Canada is offering Redeemable Fixed Rate Notes with a total offering size of $9,135,000. The Notes pay fixed interest of 5.30% per annum, with interest paid annually each January 30 from 2027 until maturity on January 30, 2046, if not redeemed earlier.
The Notes are callable at the bank’s option, in whole but not in part, on the interest payment date scheduled for January 30, 2029 and on each interest payment date thereafter, at par plus the applicable interest payment. After underwriting discounts and commissions of 2.21%, the bank expects to receive proceeds of $8,933,116.50.
The Notes are bail-inable under the Canada Deposit Insurance Corporation Act, meaning they may be converted into common shares or written down in a resolution scenario. They are unsecured obligations of Royal Bank of Canada, are not deposit liabilities, and are not insured by Canadian or U.S. deposit insurance agencies.
Royal Bank of Canada is issuing two Capped Enhanced Return Buffer Notes linked separately to the Nasdaq-100 Index and the Russell 2000 Index, with principal amounts of $500,000 and $1,234,000, respectively.
The notes offer 150% upside participation, capped at a maximum return of 20.50% for the Nasdaq-100 note and 23% for the Russell 2000 note, over a two-year term from January 30, 2026 to February 1, 2028. A 10% downside buffer protects principal only if index losses stay within that range; below the 10% buffer, investors lose principal in line with further index declines. Initial estimated values, $964.36 and $963.88 per $1,000, are below the public offering price, and the notes are unsecured, not insured, and fully subject to Royal Bank of Canada’s credit risk. The issuer also highlights limited and potentially costly secondary market liquidity and uncertain U.S. tax treatment.
Royal Bank of Canada is issuing $1,022,000 of senior unsecured market-linked notes tied to Broadcom Inc. stock. Each $1,000 note pays a high 20.25% per annum contingent coupon, but only for quarters when AVGO’s closing price is at least 70% of the $332.79 starting value ($232.953).
The notes may be auto-called quarterly from July 2026 to October 2028 if AVGO is at or above the starting value, returning face value plus a final coupon. If not called and AVGO finishes below 70% of the start, investors lose more than 30%, up to their entire principal, and never participate in any stock upside or dividends. The initial estimated value is $967.64 per $1,000 note, and the notes carry full RBC credit risk with no exchange listing.
Royal Bank of Canada is issuing $1,118,000 of Auto-Callable Enhanced Return Barrier Notes linked to an equally weighted basket of five U.S. large-cap technology and software stocks: AMD, Broadcom, Marvell Technology, NVIDIA and Oracle. The notes are unsecured debt of the bank and are not insured by Canadian or U.S. deposit insurers.
The notes may be automatically called on February 2, 2027 if the basket is at or above its initial level, paying $1,190 per $1,000 (a 19% return). If held to February 1, 2029 and not called, upside participation is 150% of any positive basket return. Principal is protected only down to a 65% barrier; if the final basket value falls below this level, repayment is fully exposed to losses, potentially down to zero. The initial estimated value is $955.60 per $1,000, below the public price, and returns depend on both basket performance and Royal Bank of Canada’s credit.
Royal Bank of Canada is offering auto-callable contingent coupon barrier notes linked to the common stock of Delta Air Lines, Inc. The notes are senior unsecured debt of RBC, not insured by Canadian or U.S. deposit insurance agencies and not bail-inable.
The notes pay a contingent coupon of $31.75 per $1,000 each quarter (a rate of 3.175% per quarter, or 12.70% per annum) only if Delta’s share price on the relevant observation date is at or above a coupon threshold set at 60% of the initial share value. If on any call observation date Delta’s share price is at or above the initial value, the notes are automatically called and pay back principal plus that quarter’s coupon.
If the notes are not called and Delta’s final share value on the valuation date is at or above the 60% barrier, investors receive full principal plus any due coupon. If it is below the barrier, investors receive Delta shares (or cash for fractions) equal to a fixed physical delivery amount, which can result in substantial loss of principal, up to total loss. The initial estimated value will be between $920.00 and $970.00 per $1,000, below the public offering price, reflecting dealer compensation, structuring and hedging costs.
Royal Bank of Canada is issuing $500,000 of Capped Return Dual Directional Buffer Notes linked to the S&P 500® Index, maturing on January 31, 2028. The notes are priced at 100% of principal, with proceeds to the bank of 99.60% ($498,000) after underwriting.
Investors get 100% participation in index gains up to a maximum upside return of 16.50% ($1,165 per $1,000). If the index falls but stays above the 20% buffer (Buffer Value 5,560.18 versus Initial Underlier Value 6,950.23), investors earn the index’s move in absolute value, capped at 20%. Below the buffer, principal is reduced beyond the 20% protection, and investors can lose a substantial portion of their investment.
The initial estimated value is $991.48 per $1,000, below the public offering price, reflecting internal funding and hedging costs. The notes are unsecured RBC debt, not insured or bail-inable, and carry complex U.S. tax treatment as prepaid financial contracts, with additional considerations for non‑U.S. holders.
Royal Bank of Canada is issuing auto-callable contingent coupon barrier notes linked to the Solactive Equal Weight U.S. Semi Conductor Select AR Index. The notes are offered at 100% of principal for a total of $285,000, with 2.25% underwriting discounts and commissions and proceeds to the bank of $278,587.50.
Investors may receive a contingent coupon of $9.167 per $1,000 (11.00% per annum) on monthly payment dates if the index closes at or above the coupon threshold, set at 75% of the initial value. 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 not called, at maturity investors receive full principal back only if the final index value is at or above the barrier level at 70% of the initial value; below this barrier, repayment is reduced one-for-one with the index decline, potentially to zero. The initial estimated value is $955.69 per $1,000, reflecting structuring and hedging costs, and the investment involves significant market, structural, valuation and tax risks.
Royal Bank of Canada is offering Geared Buffer Digital Notes linked to the common stock of Constellation Energy Corporation. The offering totals $700,000 in principal, with underwriting discounts of 1.00%, resulting in proceeds to RBC of $693,000.
Each $10,000 Note provides a fixed 20.52% Digital Return at maturity if the final Constellation share price is at or above the Buffer Value, set at 80% of the initial share value of $285.27. That buffer level is $228.22.
If the final share price falls below the Buffer Value, investors receive shares instead of cash: 43.8174 Constellation shares per $10,000 Note, with fractional shares settled in cash. In that scenario, investors can lose some or all of their principal. The Notes are unsecured debt of RBC, are not insured by deposit insurers, and all payments depend on RBC’s credit. The initial estimated value is $9,945.96 per $10,000 Note, below the public offering price, reflecting hedging and distribution costs.