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Royal Bank of Canada is offering senior unsecured Airbag Autocallable Yield Notes linked to the worst performer among Dell Class C, Eli Lilly, and Micron common stock, maturing on or about January 21, 2028. Each $1,000 Note pays a fixed quarterly coupon at a 15.75% per annum rate regardless of how the stocks perform.
The Notes are automatically called if on any quarterly observation date starting six months after the trade date each stock’s closing value is at or above its initial value; in that case, investors receive $1,000 plus the coupon and the Notes terminate. If not called, and at maturity the worst-performing stock is at or above its Conversion Price (60% of its initial value for each name), investors receive $1,000 in cash plus the final coupon. If the worst stock finishes below its Conversion Price, investors receive the final coupon and a fixed number of shares of that stock instead of principal, likely worth less than $1,000 and possibly zero. The Notes are unsecured obligations of RBC, not listed on any exchange, and their initial estimated value of $929.40–$979.40 per $1,000 Note is below the public offering price due to fees and hedging costs.
Royal Bank of Canada is offering Auto-Callable Enhanced Return Dual Directional Barrier Notes linked to the worst performer of APA Corporation and Schlumberger common stock. The Notes are designed for a term from a January 27, 2026 trade date to a February 1, 2029 maturity, with an auto-call on February 2, 2027 if both stocks are at or above their initial levels, paying at least $1,330 per $1,000 of principal (at least 133%).
If not called, at maturity investors get 150% of any positive return of the least performing stock, dual-direction “buffered” gains when that stock is between 0% and -40%, and full downside exposure if it falls below 60% of its initial value, which can lead to substantial or total loss of principal. The public offering price is 100% of principal, with 2.50% in underwriting discounts and 97.50% in proceeds to RBC; the initial estimated value is expected between $864.50 and $914.50 per $1,000, reflecting hedging and distribution costs. All payments depend on RBC’s credit, and the product carries complex risk and uncertain tax treatment as a prepaid financial contract.
Royal Bank of Canada is issuing five separate Auto-Callable Contingent Coupon Barrier Notes with memory coupons, each linked to a different stock: NVIDIA, Novo Nordisk ADS, Tesla, United Airlines and Vistra.
Each note pays a quarterly contingent coupon only if the related underlier stays at or above a preset coupon threshold on the observation date. Indicative contingent coupon rates range from 10.00% to 13.50% per annum, with initial estimated values per $1,000 note between $952.68 and $975.60, which are below the public offering price.
The notes are automatically called if, on a call observation date, the underlier closes at or above its initial value, in which case investors receive principal plus due and unpaid coupons and no further payments. If the notes are not called and the final underlier value is below the barrier level (50–60% of the initial value, depending on the underlier), repayment of principal is reduced one-for-one with the underlier loss, and investors can lose a substantial portion or all of their investment.
Royal Bank of Canada is issuing $7,288,000 of Auto-Callable Contingent Coupon Barrier Notes linked to the least performing of the Nasdaq-100, Russell 2000 and S&P 500 indices, maturing on July 20, 2028. The notes pay a contingent coupon of $6.75 per $1,000 (0.675% per month, 8.10% per year) on monthly dates only if each index is at or above 75% of its initial level on the related observation date.
The notes may be automatically called quarterly, starting about six months after issuance, if each index is at or above its initial level, in which case holders receive $1,000 per note plus the applicable coupon and no further payments. If the notes are not called and the worst-performing index finishes below 55% of its initial level, repayment of principal is reduced one-for-one with the index loss, and investors can lose most or all of their investment.
Royal Bank of Canada receives proceeds of about $7,287,700 before hedging, after underwriting discounts and commissions. The bank’s initial estimated value is $980.69 per $1,000 note, reflecting embedded costs, and the notes carry the issuer’s credit risk and complex U.S. tax treatment.
Royal Bank of Canada is offering $1,001,000 of Capped Enhanced Return Buffer Notes linked to the Dow Jones Industrial Average®, maturing on January 17, 2030. The notes provide 125% participation in any positive index return, capped at a Maximum Return of 43.25% (maximum payment of $1,432.50 per $1,000 principal). A 20% downside buffer protects principal only as long as the index does not fall more than 20% from the Initial Underlier Value of 49,149.63. If the index declines beyond that buffer, repayment is reduced and investors can lose a substantial portion of principal.
The price to the public is 100% of principal, with an underwriting discount of 0.60% and proceeds to Royal Bank of Canada of $994,994. The initial estimated value is $987.80 per $1,000, reflecting structuring and hedging costs, and secondary market values may be lower. All payments are subject to Royal Bank of Canada’s credit risk and the product has complex U.S. tax considerations, including treatment as a prepaid financial contract and potential future tax law changes.
Royal Bank of Canada is offering Capped Enhanced Return Dual Directional Buffer Notes linked to the performance of the iShares Silver Trust. The Notes are part of its Senior Global Medium-Term Notes, Series J, with a minimum investment of $1,000 and an aggregate offering of $1,000,000.
At maturity, investors receive enhanced upside of 200% of the Underlier return, subject to a Maximum Upside Return of 26.65%, which caps the payment at $1,266.50 per $1,000 of principal if the Underlier appreciates. The structure provides a 10% downside buffer: modest declines generate a positive “dual directional” return up to 10%, while losses beyond the buffer reduce principal, with the hypothetical table showing payments as low as $100 per $1,000 for a 100% Underlier decline.
The Notes are unsecured obligations of Royal Bank of Canada, are not insured by Canadian or U.S. deposit insurers and all payments depend on the Bank’s credit. The initial estimated value is $1,043.53 per $1,000 principal amount, higher than the public issue price due to underwriting discounts, referral fees and hedging costs. U.S. tax counsel views the Notes as prepaid financial contracts with potential “constructive ownership” and Section 871(m) considerations, and the issuer highlights significant market, correlation, valuation and liquidity risks.
Royal Bank of Canada is offering $16,923,000 of auto-callable contingent coupon barrier notes with a memory coupon linked to the worst performer of Amazon.com, Inc. and Alphabet Inc. Class A shares. The notes pay a contingent coupon of $25 per $1,000 (10% per year) only if, on each observation date, both stocks are at or above 52% of their initial values; missed coupons can be paid later if conditions are met.
The notes can be automatically called quarterly if both underliers are at or above their initial levels, in which case investors receive $1,000 plus any due coupons and no further payments. If not called and the worst-performing stock finishes below its 52% barrier at maturity, investors receive shares of that stock worth less than the $1,000 principal, potentially down to zero. The public offering price is 100% of principal, with 1.75% underwriting discounts; issuer proceeds are 98.25%, and the bank’s initial estimated value is $977.29 per $1,000.
Royal Bank of Canada is issuing three Auto-Callable Contingent Coupon Barrier Notes with Memory Coupon, each linked to a single stock: Royal Caribbean Cruises (RCL), Snowflake (SNOW) and Target (TGT). Principal amounts are $160,000 for the RCL note, $1,310,000 for the SNOW note and $1,299,000 for the TGT note.
The notes pay quarterly contingent coupons only if the underlier stays at or above a set threshold. Annual contingent coupon rates are 10.25% for RCL and 10.50% for both SNOW and TGT. Each note can be automatically called quarterly starting July 2026 if its stock closes at or above the initial value, returning $1,000 per note plus any due coupons.
If not called, investors get $1,000 per note at maturity in January 2029 only if the final stock price is at or above the barrier. Barriers are set at 60%, 55% and 65% of initial values for RCL, SNOW and TGT, respectively. If the final value is below the barrier, repayment is reduced one-for-one with the stock loss, and investors can lose most or all of their principal. Initial estimated values per $1,000 are below par, reflecting fees and hedging costs.
Royal Bank of Canada is offering $910,000 of Auto-Callable Contingent Coupon Barrier Notes linked to the least performing of the Russell 2000, S&P 500 and EURO STOXX 50 indices. The Notes pay a contingent coupon of $20.375 per $1,000 (8.15% per annum) on quarterly dates only if each index is at or above 70% of its initial level on the relevant observation date.
The Notes may be automatically called quarterly starting in January 2027 if all three indices are at or above their initial levels, in which case holders receive $1,000 plus the coupon and the Notes terminate. If the Notes are not called, at maturity in January 2030 investors receive $1,000 per Note if the least performing index is at or above the 70% barrier, plus any coupon due.
If the least performing index is below the 70% barrier at maturity, repayment of principal is reduced in line with its negative return, and investors can lose most or all of their investment. The initial estimated value is $959.04 per $1,000, below the public offering price, reflecting underwriting discounts, funding and hedging costs.
Royal Bank of Canada is issuing redeemable fixed rate notes with a total public offering amount of $2,250,000. The Notes pay fixed interest of 4.50% per year, with interest paid semiannually on January 20 and July 20, starting July 20, 2026, and are scheduled to mature on January 20, 2033 if not redeemed earlier.
The Notes are callable at the Bank’s option, in whole but not in part, on the January 20, 2028 interest date and on each interest payment date thereafter, at par plus accrued interest. They are issued in $1,000 minimum denominations and are subject to Canadian bail-in powers, meaning they can be converted into common shares or written off under Canadian resolution rules. RBC Capital Markets, LLC acts as underwriter; the Bank expects proceeds of $2,228,625 before expenses after underwriting discounts.