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Royal Bank of Canada is offering $4,288,000 of Digital Notes linked to the Russell 2000® Index, maturing on January 26, 2027. These notes pay a fixed 14.60% digital return at maturity per $1,000 principal if the index level on the valuation date is at or above its initial value of 2,674.557. If the index finishes below that level, repayment is reduced one-for-one with the index loss, down to a total loss of principal if the index falls 100%.
The notes are issued at 100% of principal, with 2.00% underwriting discounts, providing 98.00% of proceeds to Royal Bank of Canada, and have an initial estimated value of $973.79 per $1,000, which is lower than the public offering price. The notes are unsecured debt subject to the bank’s credit risk, are not insured by Canadian or U.S. deposit insurers, and are not bail-inable. Investors face significant risks, including potential loss of some or all principal, limited or no secondary market liquidity, complex U.S. tax treatment, and conflicts of interest arising from the issuer’s and affiliates’ roles in distribution, valuation and hedging.
Royal Bank of Canada is issuing two auto-callable contingent coupon barrier notes linked separately to Alphabet Class A shares and IBM stock, maturing on January 19, 2029. The GOOGL-linked notes offer a 10.75% annual contingent coupon and the IBM-linked notes offer 10.25%, paid quarterly only if the relevant stock closes at or above a threshold level.
Each note has a barrier set at 70% of its initial stock value; if the final value is below this barrier at maturity and the notes were not called, repayment of principal is reduced one-for-one with the stock’s loss, potentially to zero. Initial estimated values are $959.67 and $964.52 per $1,000 principal for the GOOGL and IBM notes, respectively, reflecting underwriting discounts, fees and hedging costs.
Royal Bank of Canada is offering auto-callable contingent coupon barrier notes linked to the worst performer of three SPDR ETFs: the SPDR S&P Biotech ETF (XBI), Energy Select Sector SPDR ETF (XLE) and Consumer Discretionary Select Sector SPDR ETF (XLY). The notes mature on January 25, 2029.
The notes pay a monthly contingent coupon of $13.958 per $1,000 (about 16.75% per year) only if on the relevant observation date each ETF is at or above 75% of its initial level. They are automatically called, returning $1,000 plus that month’s coupon, if on a call date all three ETFs are at or above their initial levels.
If not called, at maturity investors receive $1,000 per note if the worst-performing ETF is at or above a 70% barrier; if it is below that barrier, principal is reduced one-for-one with the ETF loss, up to a total loss. The bank’s initial estimated value is expected between $910 and $960 per $1,000, below the public price, and all payments are subject to RBC’s credit risk. The tax discussion treats the notes as prepaid financial contracts with ordinary-income coupons, but notes material uncertainty and potential 30% U.S. withholding for some non-U.S. holders.
Royal Bank of Canada is offering auto-callable contingent coupon barrier notes linked to the common stock of NVIDIA Corporation, maturing on January 25, 2029. The notes are issued in minimum denominations of $1,000 and pay a monthly contingent coupon of $8.125 per $1,000 (an annual rate of 9.75%) when NVIDIA’s closing value is at or above a coupon threshold set at 50% of the initial value.
The notes can be automatically called on designated quarterly observation dates if NVIDIA’s value is at least its initial level, returning $1,000 plus due coupons. If not called, investors receive $1,000 at maturity if NVIDIA’s final value is at or above the 50% barrier. If the final value is below the barrier, investors receive shares of NVIDIA worth less than $1,000, up to a total loss of principal. The initial estimated value per $1,000 is expected to be between $912.50 and $962.50, and payments are subject to RBC’s credit risk and complex U.S. tax treatment.
Royal Bank of Canada is offering auto-callable fixed coupon barrier notes linked to the worst performer among Delta Air Lines, Home Depot and Tesla stock. Each note has a $1,000 principal amount and pays a fixed coupon of $10.208 per month (a rate of 1.0208% per month, or 12.25% per year) as long as the notes remain outstanding.
The notes can be automatically called quarterly starting in July 2026 if all three stocks are at or above their initial values on a call observation date; in that case, investors receive $1,000 per note plus the applicable coupon, and no further payments. If the notes are not called, principal repayment at maturity in January 2029 depends on the “least performing” stock. If that stock’s final value is at least 50% of its initial value, investors receive $1,000 per note plus the coupon. If it is below 50%, investors receive shares of that worst-performing stock based on a fixed physical delivery amount, which can lead to substantial loss of principal, up to a total loss.
The notes are senior unsecured debt of Royal Bank of Canada, are not insured by any government agency, and all payments are subject to the bank’s credit risk. The initial estimated value is expected to be between $905 and $955 per $1,000, reflecting underwriting discounts, selling concessions, referral fees and hedging costs.
Royal Bank of Canada is offering Autocallable Leveraged Index Return Notes linked to the iShares Silver Trust, with a $10 principal amount per unit and maturity in January 2028. The notes may be automatically called in January 2027 if the fund’s observation value is at or above the starting value, paying a call amount of $12.15 to $12.45 per unit, a 21.50% to 24.50% premium to principal.
If not called, the notes provide 150% leveraged upside if the ending value is above the starting value. If the ending value is below the starting value but at or above 70% of it, investors receive a positive return equal to the absolute percentage decline. If the ending value falls below 70% of the starting value, repayment is reduced 1-to-1 with the decline, up to a total loss of principal. The initial estimated value is expected to be $9.20 to $9.70 per unit, below the $10 public offering price, and 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 Marvell Technology, Inc., maturing on February 2, 2029. The notes target income, paying a contingent coupon of $13.375 per $1,000 each month (about 16.05% per year) whenever the Marvell share price on the observation date is at or above 60% of the initial value.
The notes can be automatically called quarterly if Marvell’s stock is at or above its initial value, in which case investors receive $1,000 plus the due coupon and the product ends. If the notes are not called and, at maturity, Marvell’s share price is at or above a 50% barrier, investors get back their full principal (and any due coupon). If it is below the barrier, repayment is reduced one-for-one with the stock’s loss, and investors can lose a substantial portion or all of their principal.
The price to the public is 100% of principal, with 2.50% in underwriting discounts and commissions, so RBC’s proceeds are 97.50%. The initial estimated value is expected to be between $900 and $950 per $1,000, reflecting dealer margins, funding and hedging costs. All payments depend on RBC’s credit and the complex tax and risk profile described in the accompanying documents.
Royal Bank of Canada is offering issuer callable contingent coupon barrier notes linked to the common stock of Marvell Technology, Inc. The notes are scheduled to trade on a January 30, 2026 trade date, with an issue date of February 4, 2026 and a maturity date of February 2, 2029, unless called earlier.
Investors may receive a contingent coupon of $16.25 per $1,000 of principal (1.625% per month, 19.50% per year) on monthly payment dates if Marvell’s stock closes at or above a coupon threshold equal to 60% of its initial value on the relevant observation date. Principal is protected at maturity only if the final stock value is at or above a barrier level set at 50% of the initial value; below this barrier, repayment is reduced one-for-one with the stock’s loss, and investors could lose all principal.
RBC may, at its discretion, call the notes in whole on designated quarterly call dates, paying $1,000 per note plus any due coupon, with no further payments thereafter. The price to the public is 100% of principal, with 1.00% in underwriting discounts, and the initial estimated value is expected to be between $920 and $970 per $1,000, reflecting fees and hedging costs.
Royal Bank of Canada is offering auto-callable fixed coupon barrier notes linked to the worst performer among the common shares of Advanced Micro Devices, Delta Air Lines and FedEx. The notes pay a fixed coupon of $10.25 per $1,000 of principal each month, which corresponds to a rate of 1.025% per month, or 12.30% per year, as long as the notes remain outstanding.
The notes can be automatically called quarterly if on a call observation date the closing value of each stock is at or above its initial level, in which case investors receive $1,000 plus the applicable coupon and no further payments. If the notes are not called and, at maturity in January 2029, the worst-performing stock is at or above 50% of its initial value, investors receive full principal back plus the final coupon. If that stock finishes below 50% of its initial value, investors receive shares of the worst-performing stock (or cash for fractions) that may be worth far less than the $1,000 principal, so a substantial or total loss of principal is possible.
Royal Bank of Canada is offering unsecured Auto-Callable Enhanced Return Barrier Notes linked to the ARK Innovation ETF. The notes may be automatically called in January 2027 if the ETF is at or above its initial level, paying $1,170 per $1,000 (a 17% return) and then terminating.
If not called, at maturity in January 2029 investors receive enhanced upside at a 155% participation rate when the ETF finishes above its initial level, full principal back if the ETF stays at or above a 70% barrier, and one-for-one losses below that barrier, which can mean losing most or all principal. The initial estimated value is expected to be $900–$950 per $1,000, less than the public price, reflecting dealer compensation and hedging costs. Payments depend on RBC’s credit, the notes are not insured, and the U.S. tax treatment relies on a prepaid financial contract approach that carries regulatory and IRS uncertainty.