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Royal Bank of Canada is issuing $1,000,000 of auto-callable contingent coupon barrier notes linked to the common stock of Blackstone Inc. The notes pay a contingent coupon of $30.625 per $1,000 (3.0625% per quarter, 12.25% per year) only if Blackstone’s share price is at or above a coupon threshold set at 70% of the initial value, or $110.33, on the relevant observation dates.
The notes can be automatically called quarterly starting July 2026 if Blackstone’s closing value is at least its initial value of $157.62, in which case holders receive $1,000 plus due and unpaid coupons and no further payments. If the notes are not called and the final share value is below the 70% barrier, investors receive approximately 6.34 Blackstone shares per $1,000 instead of principal, which can mean large losses. The initial estimated value is $981.33 per $1,000, below the public offering price, reflecting funding and hedging costs, and tax treatment is complex and uncertain.
Royal Bank of Canada is offering senior unsecured structured notes linked to the EURO STOXX® Banks Index. The notes do not pay interest and return at maturity depends entirely on index performance between the trade date and the determination date.
For each $1,000 principal amount, investors receive 150% of any index gain, but the payoff is capped by a maximum settlement amount expected between $1,614.55 and $1,720.90. A 10% buffer protects principal only if the index does not fall below 90% of its initial level; below that, losses increase about 1.1111% for each 1% further decline, and investors could lose their entire investment.
The initial estimated value is expected between $945.50 and $975.50 per $1,000, reflecting dealer compensation and hedging costs. The notes will not be listed, may have limited or no secondary market, and are subject to RBC’s credit risk and complex U.S. tax treatment.
Royal Bank of Canada is offering issuer callable contingent coupon buffer notes linked to the Bloomberg US Large Cap VolMax Index. These structured notes pay a monthly contingent coupon of $10.333 per $1,000 (about 12.40% per year) only when the index closes at or above 60% of its initial value on the related observation date, with unpaid coupons potentially “remembered” and paid later if conditions are met.
The notes are callable at RBC’s option, in whole, on monthly call dates starting about one year after issuance; if called, holders receive $1,000 per note plus any due and unpaid coupons, and no further payments. If the notes are held to maturity and not called, principal is protected only down to a 20% buffer: investors receive full principal back if the final index value is at least 80% of the initial, but below that the payoff is reduced, and a large index decline can result in a substantial loss of principal.
The minimum investment is $1,000. The initial estimated value is expected to be $927–$977 per $1,000, less than the public offering price, reflecting dealer compensation, hedging costs and RBC’s funding rate. The notes are unsecured debt subject to RBC’s credit risk and involve additional risks from leverage, daily deductions and complex U.S. tax treatment.
Royal Bank of Canada is offering $6,678,000 of Redeemable Fixed Rate Notes due January 16, 2029. The Notes pay interest at a fixed rate of 4.05% per year, with interest paid semiannually on January 16 and July 16, starting July 16, 2026.
The Notes may be redeemed at the bank’s option, in whole but not in part, on January 16, 2027 and on any later interest payment date, with 10 business days’ prior notice. If not redeemed earlier, investors receive the principal plus the final interest payment at maturity, subject to the bank’s credit risk.
The price to the public is 100.00% of principal, with underwriting discounts and commissions of 0.28%, resulting in proceeds to Royal Bank of Canada of $6,659,301.60. The Notes are bail-inable under Canadian law, meaning they can be converted into common shares or written down in a resolution scenario. U.S. tax counsel views them as debt instruments issued without original issue discount.
Royal Bank of Canada is issuing Capped Enhanced Return Buffer Notes linked to the Dow Jones Industrial Average®. These four-year structured notes offer 125% participation in any positive index performance, subject to a Maximum Return of 43.25%, which caps the payment at $1,432.50 per $1,000 at maturity. A 20% buffer protects principal against moderate declines: if the index is down by up to 20% at maturity, investors receive their full $1,000 back.
If the index falls more than 20%, repayment is reduced so that investors lose 1% of principal for each percentage point the decline exceeds the 20% buffer, and they could lose a substantial portion of their investment. The initial estimated value is expected to be between $934.50 and $984.50 per $1,000, below the public offering price, reflecting underwriting discounts, hedging costs and Royal Bank of Canada’s internal funding rate. The notes are unsecured obligations subject to the issuer’s credit risk and are not insured by any government agency.
Royal Bank of Canada is offering $7,096,000 of Auto-Callable Contingent Coupon Barrier Notes linked to the worst performer of Amazon.com and Deere & Company stock. These three-year notes can pay a quarterly contingent coupon of 2.25% (9.00% per year) per $1,000, but only when both stocks close at or above 51.40% of their initial values on the relevant observation date, with missed coupons potentially paid later under a “memory” feature.
The notes are automatically called, returning $1,000 plus due coupons, if on any call observation date both stocks are at or above their initial values. If not called, and at maturity the worst-performing stock is below its 51.40% barrier, repayment of principal is reduced one-for-one with that stock’s loss, and investors could lose all of their investment. Underwriting discounts are 2.00%, so RBC’s proceeds are 98.00% of the offering amount, and the initial estimated value is $969.46 per $1,000, below the public offering price.
Royal Bank of Canada is issuing $500,000 of unsecured Notes linked to a basket of three equity indices: the EURO STOXX 50® (60% weight), TOPIX® (30%), and MSCI Emerging Markets (10%). The Notes are issued at 100% of principal in minimums of $1,000, with underwriting discounts and commissions of 3.35%, resulting in proceeds to Royal Bank of Canada of $483,250.
The Notes mature on January 17, 2031. At maturity, investors receive at least their $1,000 principal per Note. If the basket’s final value is above its initial value of 100, the payoff increases by the basket return multiplied by a 100% participation rate, providing uncapped upside but no periodic interest.
The initial estimated value is $945.59 per $1,000, lower than the public offering price, reflecting internal funding and hedging costs. The Notes are subject to Royal Bank of Canada’s credit risk and are treated as contingent payment debt instruments for U.S. federal income tax purposes, requiring accrual of interest income based on a comparable yield.
Royal Bank of Canada is issuing Fixed Coupon Barrier Notes linked to the worst-performing of Apple, Clorox and Netflix stock. The offering totals $3,807,000, with proceeds to the bank of $3,759,412.50 after a 1.25% underwriting discount. Each note has a $1,000 denomination and pays a fixed coupon of $31 per quarter, equal to 12.40% per annum, regardless of underlier performance.
At maturity on January 18, 2029, holders receive $1,000 per note if the least-performing stock is at or above 70% of its initial value. If that stock finishes below this barrier, investors receive shares of that stock equal to the physical delivery amount, which may be worth substantially less than $1,000 and could be worth zero, meaning a significant or total loss of principal. The initial estimated value is $997.04 per $1,000, below the public offering price, reflecting internal funding and hedging costs.
Royal Bank of Canada is offering market linked, auto-callable notes tied to the common stock of Broadcom Inc., with principal at risk and a stated maturity of February 1, 2029. Each security has a $1,000 face amount, an original offering price of $1,000, an agent discount of $23.25 and proceeds to RBC of $976.75 per security. The initial estimated value is expected to range between $910 and $960 per security, below the offering price, reflecting internal funding and hedging costs.
The notes pay a contingent quarterly coupon at a per annum rate of at least 20.25% only if Broadcom’s closing value on each calculation day is at or above a coupon threshold set at 70% of the starting value. From July 2026 to October 2028, the notes are automatically called if Broadcom’s price on a calculation day is at or above the starting value, returning the $1,000 face amount plus a final coupon.
If not called, investors receive at maturity $1,000 per security if the ending value is at or above the 70% downside threshold. If the ending value is below that threshold, the maturity payment is $1,000 multiplied by the performance factor, exposing investors to the full decline in Broadcom’s stock and potentially a total loss of principal, while not participating in any stock appreciation.
Royal Bank of Canada is offering auto-callable contingent coupon barrier notes with a memory coupon linked to the common stock of NVIDIA Corporation, maturing in January 2029. The notes pay a contingent coupon of $8.125 per $1,000 (0.8125% per month, 9.75% per annum) when NVIDIA’s share price is at or above a coupon threshold set at 50% of the initial share value on observation dates, with missed coupons potentially paid later if conditions are met.
The notes can be automatically called quarterly starting about one year after issuance if NVIDIA closes at or above its initial value, in which case investors receive $1,000 plus due coupons and the notes terminate. If not called, and on the valuation date NVIDIA is at or above the 50% barrier, investors receive full principal back plus any due coupons. If NVIDIA finishes below the barrier, investors receive NVIDIA shares worth less than the principal, potentially up to a 100% loss. The initial estimated value is expected between $912.50 and $962.50 per $1,000 note, below the public offering price.