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Royal Bank of Canada is offering Auto-Callable Enhanced Return Barrier Notes linked to an equally weighted basket of U.S. bank stocks: Bank of America, Citigroup, Goldman Sachs, Morgan Stanley and Wells Fargo. The Notes are unsecured debt of RBC and are not insured by U.S. or Canadian deposit insurance agencies.
The Notes may be automatically called on March 9, 2027 if the basket is at or above its initial level, paying $1,110 per $1,000 of principal and then terminating. If not called, investors receive at maturity either enhanced upside with a 150% participation rate when the basket is above its initial value, full principal back if the basket is between 70% and 100% of its initial value, or a proportional loss of principal if the basket finishes below 70%.
The initial basket value is set to 100, and the barrier is 70. The price to the public is 100% of principal, with underwriting discounts of 2.50%, so RBC’s proceeds are 97.50%. RBC’s initial estimated value is expected to be between $906.68 and $956.68 per $1,000, reflecting internal funding and hedging costs. Payments depend entirely on RBC’s credit quality and the basket’s performance, and the issuer highlights significant market, credit, tax and conflict-of-interest risks.
Royal Bank of Canada is offering 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 notes are senior unsecured debt of RBC and are not insured by any government agency.
Investors pay 100% of principal, with 1.00% in underwriting discounts and 99.00% of proceeds going to RBC. The notes may be automatically called in March 2027 if the basket is at or above its initial value, paying $1,150 per $1,000 of principal. If held to March 2029 and not called, upside exposure is enhanced with a 150% participation rate, while a 70% barrier on the basket provides contingent principal protection. Below the barrier, investors are fully exposed to downside and can lose most or all of their investment. RBC’s initial estimated value is expected between $927.42 and $977.42 per $1,000, reflecting hedging costs, fees and RBC’s funding rate.
Royal Bank of Canada is offering auto-callable contingent coupon barrier notes with a memory coupon linked to the common stock of Blackstone Inc. (BX), maturing on February 3, 2028. The notes are issued in minimum denominations of $1,000.
Investors can receive a quarterly contingent coupon of $25.875 per $1,000 (an annual rate of 10.35%) if, on the relevant observation date, BX is at or above the coupon threshold, which equals the barrier level of 60% of the initial value ($85.76 vs. $142.94). Missed coupons may be paid later under the memory feature if conditions are satisfied.
The notes are automatically called if BX is at or above its initial value on specified quarterly call observation dates, returning $1,000 per note plus due coupons, with no further payments. If not called and BX finishes below the barrier at maturity, repayment is reduced one-for-one with BX’s decline, and investors can lose a substantial portion or all of their principal. All payments depend on Royal Bank of Canada’s creditworthiness, and the initial estimated value per note is expected to be below the public offering price.
Royal Bank of Canada is offering Enhanced Return Notes linked to the S&P 500 Market Agility 10 TCA 0.5% Decrement Index. The Notes pay back $1,000 at maturity per $1,000 invested if the index is flat or down, and provide 105% participation in any positive index return.
The price to the public is 100% of principal, with underwriting discounts of 3.00% and proceeds to Royal Bank of Canada of 97.00%. The initial estimated value is expected between $897.00 and $947.00 per $1,000, reflecting internal funding and hedging costs. The product embeds multiple index-level fees and transaction costs that reduce index performance, and all payments are subject to Royal Bank of Canada’s credit risk.
Royal Bank of Canada is offering unsecured Enhanced Return Notes linked to the S&P 500 Market Agility 10 TCA 0.5% Decrement Index. The Notes provide 105% participation in any positive index return, paying $1,000 plus leveraged upside at maturity, but only return principal if the index is flat or down.
The initial estimated value per $1,000 Note is expected to be between $913 and $963, below the public offering price, reflecting dealer compensation, hedging costs and the bank’s funding rate. The Underlier is a complex, rules-based strategy index with a 10% volatility target, a 0.5% annual decrement fee, transaction costs and funding costs that all reduce performance over time.
The Notes carry RBC credit risk, are not insured, and are intended to be held to maturity. U.S. tax treatment is expected to follow contingent payment debt instrument rules, requiring annual interest income accruals based on a comparable yield, with special considerations for Non-U.S. holders under Section 871(m).
Royal Bank of Canada is offering unsecured Enhanced Return Notes linked to the S&P 500 Market Agility 10 TCA 0.5% Decrement Index, maturing on February 27, 2031. The notes provide 140% participation in positive index performance, with full principal repayment at maturity if the final index value is at or below its initial level.
The notes are issued at 100% of principal, with underwriting discounts and commissions of 4.00%, so RBC’s proceeds are 96.00%. The initial estimated value is expected between $879 and $929 per $1,000 note, reflecting internal funding and hedging costs. The underlier is subject to a 0.5% annual decrement fee, transaction costs and funding costs, which reduce index performance.
RBC expects to treat the notes as contingent payment debt instruments for U.S. federal income tax purposes, requiring investors to accrue interest income on a constant yield basis. For non‑U.S. holders, RBC currently expects Section 871(m) dividend‑equivalent withholding will not apply, but the IRS could disagree. All payments depend on RBC’s credit and the notes are not insured by U.S. or Canadian deposit insurers.
Royal Bank of Canada is offering unsecured market-linked notes that pay monthly contingent coupons at a rate of at least 10.15% per year, but only if the lowest performing of Apple, Berkshire Hathaway Class B, or Northrop Grumman closes at or above 60% of its starting value on each calculation day.
The notes can be auto-called monthly from August 2026 through January 2029 if that lowest stock is at or above its starting value, returning the $1,000 face amount plus a final coupon. If not called, at maturity in February 2029 investors receive $1,000 only if the lowest stock is at or above 60% of its starting value; otherwise, repayment falls in line with the stock’s decline and can reach a total loss.
The initial estimated value per $1,000 note is expected between $917 and $967, below the original offering price, reflecting fees, hedging costs and RBC’s funding rate. The notes do not pay dividends, offer no upside participation in any stock, are not listed on an exchange, and all payments depend on RBC’s credit.
Royal Bank of Canada is offering Autocallable Strategic Accelerated Redemption Securities linked to the EURO STOXX 50 Index, issued in $10 units as senior unsecured debt. Payments depend entirely on index performance and RBC’s credit, with no periodic interest and no principal protection.
The notes are automatically called if the index closes at or above its starting level on observation dates about one, two, or three years after pricing, paying per unit approximately $10.95–$11.05, $11.90–$12.10, or $12.85–$13.15, respectively. If never called and the final index level is below the starting level, investors have 1‑to‑1 downside exposure and can lose up to their entire investment.
The public offering price is $10.00 per unit, including a $0.20 underwriting discount and an additional $0.05 per unit hedging-related charge, so RBC’s proceeds are $9.80 per unit. The initial estimated value on the pricing date is expected to range from $9.06 to $9.56 per unit, reflecting RBC’s internal funding rate and hedging costs. The notes are not listed, and secondary market liquidity is expected to be limited.
Royal Bank of Canada is offering $1,908,000 of Auto-Callable Enhanced Return Barrier Notes linked to the worst performer of Alphabet Class A, Microsoft and NVIDIA, maturing in February 2029. The notes are priced at 100% of principal, with 97.75% of proceeds to the bank.
The notes may be automatically called in February 2027 if all three stocks are at or above their initial levels, paying $1,452.50 per $1,000 of principal (145.25%). If not called, at maturity investors get 300% of any positive return of the least performing stock, full principal back if that stock is at or above 60% of its initial level, and one-for-one downside below that barrier, potentially losing the entire principal. The initial estimated value is $963.27 per $1,000, and all payments depend on Royal Bank of Canada’s credit and complex tax treatments.
Royal Bank of Canada is issuing three primary Auto-Callable Contingent Coupon Barrier Notes linked separately to Goldman Sachs, Eli Lilly and SLB common stock, with aggregate principal of $1,519,000, $956,000 and $1,060,000, respectively. Each note pays a 10.00% per annum contingent coupon, evaluated quarterly.
Coupons are paid only when the relevant stock stays at or above its coupon threshold, and notes are automatically called if the stock is at or above its initial value on a call observation date. At maturity, if not called, full principal is repaid only if the final stock level is at or above the barrier (65%–70% of the initial value); otherwise repayment is reduced one-for-one with the underlier’s decline, and investors can lose most or all of their principal.