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Royal Bank of Canada is offering Capped Return Dual Directional Buffer Notes linked to the S&P 500® Index, with a total price to the public of $3,356,000. Underwriting discounts are 1.873%, leaving 98.127% of proceeds to the bank.
The notes offer 100% participation in S&P 500 gains up to an 18% maximum upside return. They also provide a 10% downside buffer: if the index finishes between 0% and -10%, investors earn a positive return equal to the index’s loss. Below -10%, principal is reduced beyond the buffer.
The initial estimated value is $967.63 per $1,000, lower than the public offering price, and values in any secondary market may be lower. The notes mature on February 1, 2028, are unsecured obligations exposed to Royal Bank of Canada’s credit risk, are not insured deposits, and have complex, uncertain U.S. tax treatment described as prepaid financial contracts.
Royal Bank of Canada is offering $5,000,000 of Fixed to Floating Rate Callable Notes, due January 30, 2046, in $1,000 denominations. The notes pay a fixed 8.00% per annum until January 30, 2027, then a floating rate equal to 8.00% multiplied by the proportion of days that daily SOFR stays between 0.00% and 5.00%. Interest is paid quarterly, and the bank may redeem the notes in whole on January 30, 2027 and on each quarterly interest date thereafter at par plus accrued interest. The notes are senior unsecured obligations of Royal Bank of Canada, are not listed on any exchange, and carry liquidity, interest-rate and SOFR benchmark risks. The price to the public is $1,000 per note, while the initial estimated value is $959.30, reflecting embedded fees and hedging costs.
Royal Bank of Canada is issuing $2,473,000 of Redeemable Fixed Rate Notes due January 30, 2031. The Notes pay fixed interest of 4.30% per annum, with semiannual payments each January 30 and July 30, starting July 30, 2026.
The Notes are issued at 100% of principal to the public, with underwriting discounts of 0.58%, resulting in proceeds to Royal Bank of Canada of $2,458,656.60. The Notes are callable at the bank’s option, in whole but not in part, on the January 30, 2028 interest date and on each subsequent interest payment date, with 10 business days’ notice.
The Notes are senior bail-inable obligations of Royal Bank of Canada, meaning they may be converted into common shares or written down under Canadian bail-in powers in a resolution scenario. They are not insured by Canadian or U.S. deposit insurance agencies, and investors bear both interest rate and issuer credit risk.
Royal Bank of Canada is issuing $161,000 of Auto-Callable Enhanced Return Barrier Notes linked to the Russell 2000® Index, due January 30, 2031. The notes are priced at 100% of principal, with underwriting discounts of 3.50% and proceeds to the bank of 96.50%.
The notes may be automatically called in February 2027 for $1,100 per $1,000 if the index is at or above its initial level. If held to maturity and not called, investors receive enhanced upside with a 115% participation rate if the index rises, full principal back if the index stays at or above 75% of the initial level, and one-for-one downside if it finishes below that barrier.
The initial estimated value is $961.64 per $1,000, below the public offering price, and investors face both market risk on the Russell 2000® and Royal Bank of Canada credit risk. The notes are not insured by Canadian or U.S. deposit insurance agencies and are not bail-inable.
Royal Bank of Canada is issuing $710,000 of Auto-Callable Enhanced Return Dual Directional Barrier Notes linked to the worst performer of APA Corporation and Schlumberger common stock, maturing in February 2029. The notes are senior unsecured debt and carry RBC’s credit risk.
The notes may be automatically called in February 2027 if both stocks are at or above their initial levels, paying $1,330 per $1,000 (a 33% return) and then terminating. If not called, at maturity investors get enhanced upside: 150% of the worst stock’s gain, or a positive return equal to the absolute value of its loss, up to a 40% move, if it stays at or above a 60% barrier level.
If the worst-performing stock finishes below its barrier, repayment is reduced one-for-one with its decline, and investors can lose most or all principal. Notes are sold at par with a 2.50% underwriting discount; the initial estimated value is $962.42 per $1,000. U.S. tax counsel views them as prepaid financial contracts, but notes that tax treatment is uncertain.
Royal Bank of Canada is issuing Auto-Callable Enhanced Return Barrier Notes linked to an equally weighted basket of five large U.S. bank stocks: Bank of America, Citigroup, Goldman Sachs, Morgan Stanley and Wells Fargo. The total offering size is $1,223,000.
If, on February 9, 2027, the basket is at or above its initial level, the notes are automatically called and pay $1,110 per $1,000 of principal (an 11% return), with no further payments. If not called, the notes mature in February 2029 with 150% participation in any basket gain.
Principal is protected only down to a 70% barrier of the initial basket level. If the final basket value is below that barrier, repayment is reduced one-for-one with the basket loss, and investors can lose most or all of their principal. The notes are unsecured RBC debt, not insured, and their initial estimated value of $955.12 per $1,000 is below the public offering price, reflecting fees, hedging costs and RBC’s funding rate. Tax treatment is complex and uncertain.
Royal Bank of Canada is offering $452,000 of Enhanced Return Notes linked to the S&P 500 Market Agility 10 TCA 0.5% Decrement Index, maturing August 1, 2029.
The notes pay back principal at maturity and add upside if the index finishes above its initial level, using a 105% participation rate on any positive index return. If the index is flat or down, investors receive only the $1,000 principal per note, with no periodic interest.
The product embeds multiple fees and costs at the index level, including a 0.5% annual decrement and transaction and funding costs that reduce index performance. The initial estimated value is $948.50 per $1,000 note, below the public offering price, reflecting selling commissions, referral fees and hedging costs, and the notes are treated as contingent payment debt instruments for U.S. tax purposes.
Royal Bank of Canada is offering US$1,000,000,000 of 6.500% Limited Recourse Capital Notes, Series 8, maturing May 24, 2086. The notes pay non-deferrable quarterly interest at 6.500% until May 24, 2033, then reset every five years to the U.S. Treasury Rate plus 2.450%.
The notes are deeply subordinated Additional Tier 1 capital with limited recourse to a trust holding 1,000,000 Non-Cumulative 5-Year Fixed Rate Reset First Preferred Shares, Series CA, which can convert into common shares upon a Canadian non-viability trigger event. In a recourse event, holders receive only their share of these trust assets, bearing any shortfall versus principal and interest.
The notes are unsecured, not bail-inable, not deposit-insured, and will not be listed on an exchange, so liquidity may be limited. Estimated net proceeds of about US$989,645,000 will be used to enlarge RBC’s Tier 1 capital base and for general business purposes.
Royal Bank of Canada is offering market-linked structured securities tied to the S&P 500® Index that repay no fixed principal and pay no interest. Each $1,000 note offers 150% leveraged upside to the Index, capped at a maximum return of at least 47% (at least $1,470 at maturity).
Principal is only protected if the Index ending value is at or above 75% of its starting value; below that threshold, investors are fully exposed to losses and can lose more than 25%, up to all principal. The initial estimated value per note, between $905 and $955, is lower than the $1,000 offering price due to agent discounts, internal funding rates and hedging costs. All payments depend on Royal Bank of Canada’s credit, and the notes are designed to be held to August 30, 2030 with no exchange listing and limited expected liquidity.
Royal Bank of Canada is offering senior unsecured market-linked notes tied to the common stock of NVIDIA Corporation, maturing April 16, 2027. Each security has a $1,000 face amount, with an original offering price of $1,000 and proceeds to RBC of $976.75 per security after agent discounts.
The notes provide 150% leveraged upside participation in NVDA to a cap, with a maximum return of at least 30.75% (at least $307.50, for a maximum maturity payment of at least $1,307.50 per security). There is a 15% buffer: if the ending NVDA price is at or above 85% of the starting value, investors receive at least their principal back; below that level, losses are 1-for-1 beyond the buffer and can reach up to 85% of principal. The initial estimated value is expected to be between $916.00 and $966.00 per security, less than the offering price, and the securities pay no periodic interest and are subject to RBC’s credit risk and limited liquidity.