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Royal Bank of Canada is offering Enhanced Return Buffer Notes tied to the EURO STOXX 50® Index. The notes are issued at 100% of principal value with a 1.00% underwriting discount, so proceeds to the bank are 99.00% of the amount sold. Minimum investment is $1,000 in increments of $1,000.
The notes run from a February 2, 2026 trade date to a February 6, 2031 maturity and pay at maturity based on index performance. If the index rises, investors receive principal plus 170% of the index gain. If the index is flat or down but not below 80% of its initial level, investors receive full principal back. If it falls more than 20%, principal is reduced according to the loss beyond that 20% buffer.
The initial estimated value is expected between $924.50 and $974.50 per $1,000 note, reflecting structuring and hedging costs. The product carries market risk, issuer credit risk and complex U.S. tax treatment, which counsel currently analyzes as prepaid financial contracts but notes potential for future IRS or legislative changes.
Royal Bank of Canada is offering Accelerated Return Notes linked to the Class A common stock of Meta Platforms, Inc. (META), maturing in approximately 14 months in March 2027. The notes are senior unsecured debt of RBC, not insured by the CDIC or FDIC, and all payments depend on RBC’s credit.
Each note has a $10 principal amount. The public offering price is $10.00 per unit, with an underwriting discount of $0.175 and proceeds to RBC of $9.825 per unit, plus a hedging-related charge of $0.05 per unit. The initial estimated value on the pricing date is expected to be between $9.05 and $9.55 per unit, which is less than the public offering price.
The notes offer a 300% participation rate in any positive performance of META from the Starting Value to the Ending Value, but the return is capped by a Capped Value expected to be between $12.90 and $13.30 per unit, representing a maximum return of about 29% to 33%. If META’s Ending Value is below the Starting Value, investors will lose some or all of their principal. The notes pay no interest or dividends and do not provide any rights in META shares.
Royal Bank of Canada is offering auto-callable contingent coupon barrier notes linked to the worst performer of the Russell 2000®, S&P 500® and EURO STOXX 50® indices. The notes pay a contingent quarterly coupon of at least $20.625 per $1,000 (at least 8.25% per year) only if, on the relevant observation date, each index is at or above 70% of its initial level.
Beginning about one year after issuance, the notes will be automatically called if all three indices are at or above their initial levels, in which case investors receive $1,000 plus the coupon and no further payments. If the notes are not called and, at maturity in 2030, the worst-performing index is at or above 70% of its initial level, investors receive full principal plus any coupon. If the worst-performing index finishes below this barrier, repayment is reduced one-for-one with the index loss, up to a total loss of principal.
The initial estimated value is expected to be between $892 and $942 per $1,000, below the public offering price, reflecting underwriting discounts, hedging costs and RBC’s internal funding rate. Tax treatment is uncertain and may be affected by future IRS or legislative action.
Royal Bank of Canada is offering two auto-callable contingent coupon barrier notes with memory coupons, each linked to a single stock: Class A common stock of Airbnb, Inc. and common stock of Newmont Corporation. The notes are issued at 100% of principal, with initial estimated values per $1,000 note expected in ranges of $901–$951 for the Airbnb-linked note and $899–$949 for the Newmont-linked note, reflecting embedded costs and hedging.
The Airbnb note offers a contingent coupon rate in a range of 9.50%–10.50% per annum, and the Newmont note offers 10.75%–11.75% per annum, paid quarterly only if the stock closes at or above a preset coupon threshold on the observation date. Each note can be automatically called quarterly starting July 27, 2026 if the underlier closes at or above its initial value, returning $1,000 plus due coupons. If not called, investors receive $1,000 at maturity only if the final stock price is at or above the barrier; otherwise principal is reduced one-for-one with the stock’s loss, so investors can lose a substantial portion or all of their investment.
Royal Bank of Canada is offering senior unsecured "Trigger GEARS" notes linked to an unequally weighted basket of five equity indices with a total offering of $13,563,390 in Securities due January 21, 2031. The basket is set to an initial value of 100 and includes the EURO STOXX 50 (40%), Nikkei 225 (25%), FTSE 100 (17.5%), Swiss Market Index (10%) and S&P/ASX 200 (7.5%).
At maturity, if the basket return is positive, holders receive $10 principal per Security plus 1.67× the basket return. If the basket return is zero or negative but the final basket value is at or above the 75 downside threshold (75% of the initial basket value), principal is repaid in full. If the final basket value is below that threshold, repayment is reduced in proportion to the negative basket return, with up to a 100% loss of principal possible.
The Securities pay no coupons or dividends, are not exchange-listed, and all payments depend on RBC’s creditworthiness. The initial estimated value is $9.55 per $10 Security, below the public offering price, reflecting dealer commissions, funding and hedging costs.
Royal Bank of Canada is offering three separate auto-callable contingent coupon barrier notes due January 31, 2029, each linked to a different stock: Goldman Sachs (GS), Eli Lilly (LLY) and SLB. Each note pays a quarterly contingent coupon at an annual rate of 10.00%–11.00% if, on the relevant observation date, the underlier closes at or above a set coupon threshold, which also serves as the barrier level for principal protection.
If on any call observation date the underlier closes at or above its initial value, the note is automatically called and pays back $1,000 per note plus the applicable coupon, with no further payments. If not called, and on the final valuation date the underlier is at or above the barrier, investors receive full principal plus any coupon due; if it is below the barrier, repayment is reduced one-for-one with the underlier loss, potentially down to zero. Initial estimated values per $1,000 note range from $890 to $957, below the public offering price, and all payments are subject to RBC’s credit risk.
Royal Bank of Canada is offering auto-callable contingent coupon barrier notes linked to the common stock of Oracle Corporation. These two-year notes pay a contingent coupon of $15.25 per $1,000 each month (equivalent to 18.30% per annum) only if Oracle’s closing value on the observation date is at or above a coupon threshold set at 60% of the initial value, which is also the downside barrier.
The notes may be automatically called on monthly dates starting in July 2026 if Oracle’s value is at or above its initial level, in which case investors receive $1,000 plus the coupon and no further payments. If the notes are not called and Oracle finishes below the barrier at maturity, repayment is reduced one-for-one with the stock’s loss, so investors can lose a substantial portion or all of their principal. The initial estimated value is expected to be $927–$977 per $1,000, below the public offering price, reflecting dealer compensation and hedging costs, and all payments are subject to Royal Bank of Canada’s credit risk.
Royal Bank of Canada is offering $9,171,470 of Autocallable Strategic Accelerated Redemption Securities® linked to an international equity index basket, at $10 per unit. These senior unsecured notes can be automatically called after about one, two or three years if the basket is at or above its 100.00 starting level, paying call amounts of $10.95, $11.90 or $12.85 per unit, respectively.
If the notes are not called and the basket’s final value is below the 100.00 threshold, investors will lose principal, potentially all of it. The basket combines six major equity indices with fixed initial weights, including 40% in the EURO STOXX 50® and 20% each in the FTSE® 100 and Nikkei 225. Investors receive no interest or dividends, and all payments depend on RBC’s credit. The initial estimated value is $9.68 per unit, below the $10 public offering price, reflecting RBC’s internal funding rate, a $0.20 per-unit underwriting discount and a $0.05 per-unit hedging-related charge; RBC expects to receive $8,988,040.60 in proceeds before expenses.
Royal Bank of Canada is issuing senior unsecured Autocallable Strategic Accelerated Redemption Securities linked to an equal-weighted basket of Goldman Sachs, JPMorgan Chase and Morgan Stanley, with a $10 principal amount per unit and scheduled maturity on January 26, 2029.
The notes may be automatically called if the basket value on an Observation Date (January 22, 2027; January 21, 2028; January 19, 2029) is at or above the Starting Value of 100.00, paying per-unit Call Amounts of $11.431, $12.862 or $14.293, respectively.
If the notes are not called and the Ending Value is below the Threshold Value of 100.00, investors lose principal in line with the basket decline (for example, a 50.00 Ending Value pays $5.00 per unit). The securities pay no coupons, do not provide dividends on the underlying stocks, 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, while the initial estimated value is $9.70 per unit, reflecting RBC’s internal funding rate and hedging costs.
Royal Bank of Canada is offering five auto-callable contingent coupon barrier notes with a memory coupon feature, each linked to a single U.S. stock: Broadcom, Best Buy, Constellation Energy, CrowdStrike and Vertiv. The notes pay quarterly contingent coupons only if the relevant stock stays at or above a coupon threshold, with indicative annual rates ranging from 10.50% to 14.00%. Missed coupons can be "caught up" later if conditions are met.
The notes may be automatically called quarterly starting in July 2026 if the stock is at or above its initial level, in which case investors receive principal plus any due coupons. If not called and the final stock value is at or above a barrier level (50%–60% of the initial value, depending on the underlier), principal is repaid in full. If the final value is below the barrier, repayment is reduced one-for-one with the stock decline, and investors can lose most or all of their principal. Initial estimated values range from $880 to $957 per $1,000, below the 100% public offering price, with underwriting discounts of 2.50% and proceeds to RBC of 97.50%.