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Royal Bank of Canada is offering redeemable fixed rate notes due February 13, 2031. The notes pay fixed interest of 4.25% per annum, with semiannual payments on February 13 and August 13, starting August 13, 2026.
The notes are callable at the bank’s option, in whole but not in part, on the February 13, 2028 interest payment date and on each interest payment date thereafter, with 10 business days’ prior notice. Investors receive principal plus the relevant interest payment at redemption or at maturity, subject to Royal Bank of Canada’s credit risk.
The minimum investment is $1,000, in denominations of $1,000. The notes are bail-inable under Canadian law, meaning they may be converted into common shares or varied or extinguished under the CDIC Act in a bail-in conversion and are not insured by Canadian or U.S. deposit insurance agencies.
Royal Bank of Canada is offering Capped Return Dual Directional Buffer Notes linked to the S&P 500® Index. The notes are unsecured debt of the bank, priced at 100% of principal with a minimum investment of $1,000 and are not insured by Canadian or U.S. deposit insurance schemes.
The notes run from a Trade Date of February 27, 2026 to a Maturity Date of March 2, 2028. If the index rises, investors receive 100% of the index gain, capped at a Maximum Upside Return of 18%, so the maximum payment is $1,180 per $1,000 note.
If the index falls but stays within a 15% Buffer Percentage, investors earn a positive “dual directional” return equal to the absolute value of the index loss, up to 15%. Below the 15% buffer, principal is reduced, as shown by examples such as a 50% index decline returning $650 per $1,000. The initial estimated value is expected between $930 and $980 per $1,000, reflecting underwriting, hedging costs and the bank’s internal funding rate.
Royal Bank of Canada is offering Capped Return Dual Directional Buffer Notes linked to the S&P 500 Index, maturing on February 29, 2028. The Notes are priced at 100% of principal, with underwriting discounts and commissions of 2.25%, so proceeds to the bank are 97.75%.
At maturity, holders receive $1,000 plus a return based on index performance. Upside participation is 100% but capped at a maximum upside return of 18%, meaning the most an investor can receive is $1,180 per $1,000. There is a 10% downside buffer: if the index is down but not by more than 10%, investors gain the absolute value of the loss, up to 10%. If the index falls more than 10%, principal is reduced beyond the buffer and investors can lose a substantial portion of their investment.
The initial estimated value is expected to range from $915 to $965 per $1,000, below the public offering price, reflecting internal funding rates, selling concessions, referral fees and hedging costs. The Notes are unsecured debt obligations of Royal Bank of Canada, not insured by Canadian or U.S. deposit insurance agencies, and all payments are subject to the bank’s credit risk and complex U.S. tax treatment.
Royal Bank of Canada is issuing $1,000,000,000 of 6.500% Limited Recourse Capital Notes, Series 8, maturing May 24, 2086. The subordinated notes pay 6.500% interest until May 24, 2033, then reset every five years to the five-year U.S. Treasury rate plus 2.450%.
Interest is paid quarterly starting May 24, 2026, with a minimum denomination of $200,000. The notes are structured as Non‑Viability Contingent Capital and are linked to Non‑Cumulative 5‑Year Fixed Rate Reset First Preferred Shares, Series CA and related common share conversion features.
Royal Bank of Canada is offering Dual Directional Buffer Digital Notes linked to the S&P 500® Index. The $1,000 minimum-denomination notes pay a fixed 7.10% Digital Return per $1,000 at maturity if the index finishes at or above 92.90% of its initial level.
If the index falls but remains at or above 86% of its initial level, investors receive a positive return equal to the absolute value of the index move, capped at 14%. Below 86%, principal is reduced based on the index loss plus a 14% buffer. The initial estimated value is expected between $940.00 and $990.00 per $1,000, reflecting fees, hedging costs and RBC’s funding rate. All payments depend on RBC’s credit and the product carries complex market, valuation and tax risks.
Royal Bank of Canada is offering Capped Enhanced Return Buffer Notes linked to the EURO STOXX 50® Index. The Notes are priced at 100% of principal, with underwriting discounts of 1.00% and 99.00% of proceeds to Royal Bank of Canada.
The Notes offer a 300% participation rate in positive index returns, subject to a Maximum Return between 22% and 24%, so the maximum payment at maturity will be $1,220 to $1,240 per $1,000. A 15% downside buffer applies; below that, investors lose principal based on index losses in excess of the buffer.
The initial estimated value is expected to range from $927.70 to $977.70 per $1,000, less than the public offering price, reflecting internal funding rates, fees and hedging costs. Payments at maturity depend entirely on index performance and are subject to Royal Bank of Canada’s credit risk.
Royal Bank of Canada plans to issue Capped Enhanced Return Buffer Notes linked to the EURO STOXX 50® Index, maturing on February 29, 2028. These are unsecured senior debt securities, not insured deposits and not subject to Canadian bail-in conversion.
Each note has a $1,000 principal amount, priced at 100% to the public, with proceeds to Royal Bank of Canada of 97.75% after underwriting discounts. The notes offer a 200% participation in positive index returns, capped by a maximum return of 20%–22%, so the maximum payment at maturity is $1,200–$1,220 per $1,000.
The structure includes a 15% downside buffer: if the index decline is within this range, principal is repaid in full at maturity. If the EURO STOXX 50® falls more than 15%, investors lose principal on a 1:1 basis beyond the buffer, with illustrated outcomes down to $150 per $1,000 if the index falls 100%.
The initial estimated value is expected between $913.90 and $963.90 per $1,000, below the public offering price due to hedging costs, internal funding rates, underwriting discounts and referral fees. The notes have limited liquidity, potential for wide bid/ask spreads, and all payments are subject to Royal Bank of Canada’s credit risk and detailed U.S. tax considerations.
Royal Bank of Canada is offering three Capped Enhanced Return Buffer Notes, each linked separately to the Nasdaq‑100, Russell 2000 and S&P 500 indices. The notes run from a February 27, 2026 trade date to a March 2, 2028 maturity.
Each $1,000 note offers 150% participation in any positive index performance, up to a maximum return range of 24%–26% (NDX), 27%–29% (RTY) and 20.50%–22.50% (SPX). A 10% buffer protects against moderate losses, but investors lose principal if the linked index falls more than 10%.
The price to the public is 100% of principal, with underwriting discounts of 1% and 99% of proceeds to Royal Bank of Canada. The initial estimated value per $1,000 will be below the public offering price, and the notes are unsecured obligations subject to the bank’s credit risk, with limited or no secondary market expected.
Royal Bank of Canada is issuing $3,948,000 of market-linked, auto-callable notes tied to the worst performer between Alphabet Class A and NVIDIA stock, maturing February 2, 2028.
The notes pay a 14.00% per annum contingent monthly coupon only if the lowest-performing stock on each calculation day stays at or above 60% of its starting value. If from July 2026 to December 2027 the worst stock is at or above its starting value, the notes are automatically called at par plus a final coupon. If not called, principal is protected at maturity only if the worst stock is at or above 50% of its starting value; below that, investors lose more than 50%, up to all principal. The initial estimated value is $965.68 per $1,000 note, and the securities are unsecured, unlisted obligations subject to RBC credit risk.
Royal Bank of Canada is offering Geared Buffer Digital Notes linked to the common stock of UnitedHealth Group Incorporated. The notes have a minimum investment of $10,000 and a term running from an issue date of February 4, 2026 to a maturity date of February 17, 2027, subject to possible postponement.
Per $10,000 principal, investors receive a fixed Digital Return of 16.31% at maturity if the final UNH share value is at or above the buffer value, set at 85% of the $292.29 initial underlier value. If the final value falls below the buffer, investors receive shares of UNH (plus cash for fractional shares) based on a physical delivery amount of 40.2495 shares, which can lead to substantial loss of principal.
The price to the public is 100% of principal, with a 1.00% underwriting discount, so proceeds to Royal Bank of Canada are 99%. The initial estimated value is expected between $9,320 and $9,820 per $10,000, reflecting internal funding and hedging costs, and may differ from secondary market values. The notes are unsecured senior debt of Royal Bank of Canada and are subject to the issuer’s credit risk.