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Royal Bank of Canada is issuing Enhanced Return Buffer Notes linked to the S&P 500® Futures Excess Return Index. The notes have a three-year term from a trade date of January 16, 2026 to a maturity date of January 19, 2029, with a minimum investment of $1,000. The total offering size is $735,000 at 100% of principal, with underwriting discounts of 0.75% and proceeds to the bank of 99.25% of face value.
At maturity, investors receive enhanced upside at a 134.15% participation rate if the index is above its initial level. Principal is fully protected only as long as the index does not fall more than the 20% buffer; below that level, losses match index declines beyond the buffer and can be substantial. The initial estimated value is $981.01 per $1,000, below the public price, reflecting structuring, distribution and hedging costs, and all payments depend on RBC’s credit.
Royal Bank of Canada is issuing $7,428,000 of Auto-Callable Contingent Coupon Barrier Notes linked to the worst performer among the Nasdaq-100, Russell 2000 and S&P 500 indexes, maturing January 21, 2028. The notes pay a contingent coupon of $25.25 per $1,000 (10.10% per year) only if, on each observation date, all three indexes stay at or above 70% of their initial levels, and the notes may be auto-called quarterly if all indexes are at or above their initial values.
If not called, investors receive full principal at maturity only if the least performing index finishes at or above its 70% barrier; otherwise repayment is reduced one-for-one with the index loss and can fall to zero. The public price is 100% of principal with a 0.65% underwriting discount, and the initial estimated value is $987.92 per $1,000, reflecting dealer compensation, internal funding rates and hedging costs. All payments depend on RBC’s credit and carry complex tax and risk considerations.
Royal Bank of Canada is offering $1,428,000 of Auto-Callable Enhanced Return Dual Directional Barrier Notes linked to the weaker of Bristol-Myers Squibb and Merck common stock. The Notes are priced at 100.00% of principal, with 2.50% in underwriting discounts and commissions, so proceeds to the bank are 97.50% of the offering amount.
The Notes can be automatically called in January 2027; if both stocks are at or above their initial values, investors receive $1,322.50 per $1,000 note, a 32.25% total payoff, and the Notes terminate. If not called, at maturity in January 2029 investors get 150% of the positive return of the weaker stock, or a dual-directional payoff that mirrors losses as gains down to a 35% decline, subject to a 35% maximum in this zone. If the weaker stock finishes below its 65% barrier level, repayment is fully exposed to that stock’s loss and principal can be largely or entirely lost.
The initial estimated value is $970.47 per $1,000, below the public price, reflecting internal funding and hedging costs. Payments depend on RBC’s credit and the Notes are unsecured, uninsured obligations.
Royal Bank of Canada is offering Capped Return Notes linked to the S&P 500® Index, targeting a maximum return of 35% at maturity. Each $1,000 note participates 100% in the index’s upside, but gains are capped so the maximum payment is $1,350 if the index rise meets or exceeds the cap. If the S&P 500 ends at or below its initial level of 6,940.01 on the July 16, 2031 valuation date, investors receive only their $1,000 principal back on July 21, 2031, with no additional return.
The notes are unsecured debt of Royal Bank of Canada, so all payments depend on the bank’s credit. The public offering price is 100% of principal, but the bank’s initial estimated value is $939.76 per $1,000, reflecting internal funding, fees and hedging costs. The product is expected to be illiquid, and any secondary market value may be significantly below the offering price. For U.S. tax purposes, the bank intends to treat the notes as contingent payment debt instruments, requiring investors to accrue taxable interest income over the life of the notes.
Royal Bank of Canada is offering Capped Enhanced Return Barrier Notes linked to the MSCI Emerging Markets Index, with a total offering size of $1,100,000 and a 2% underwriting discount, resulting in $1,078,000 in proceeds to the bank. The notes run from a January 16, 2026 trade date to a March 19, 2027 maturity and have a 200% participation rate in index gains, capped at a 12.75% maximum return, or $1,127.50 per $1,000 note.
If the index finishes at or above 85% of its initial level, investors receive at least their principal back; if it falls below this barrier, repayment is reduced one-for-one with the index decline, potentially down to zero. The initial estimated value is $971.89 per $1,000 note, lower than the public offering price, reflecting fees, funding and hedging costs. Payments depend on Royal Bank of Canada’s credit and the notes are not insured by U.S. or Canadian deposit insurance programs.
Royal Bank of Canada is offering Capped Return Notes tied to the S&P 500 Index, with a total offering size of $582,000 at 100% of principal. Each $1,000 Note pays back principal at maturity plus equity-linked upside equal to 100% of the index gain, capped at a Maximum Return of 33.20%, for a maximum payment of $1,332 per $1,000. If the index is flat or down at maturity, investors receive only their $1,000 principal, so there is no downside participation but full exposure to the issuer’s credit risk. The bank’s initial estimated value is $972.80 per $1,000, reflecting structuring and hedging costs and implying that secondary market values may be lower than the issue price. The Notes are treated as contingent payment debt instruments for U.S. tax purposes, requiring accrual of interest income based on a comparable yield, and they are not insured deposits or bail-inable notes.
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.