ROYAL BANK OF CANADA SEC Filings

Royal Bank of Canada is offering auto-callable contingent coupon barrier notes linked to the common stock of NVIDIA Corporation. The notes have a minimum investment of $1,000, trade date on January 30, 2026, issue date on February 4, 2026, and are scheduled to mature on March 4, 2027, unless called earlier.

Investors may receive a contingent coupon of $10.292 per $1,000 (about 1.0292% per month, 12.35% per year) for each month the NVIDIA share price is at or above a coupon threshold set at 59% of the initial value. The notes are automatically called if, on any monthly call observation date starting around six months after issuance, NVIDIA’s closing value is at least its initial value; in that case, investors receive $1,000 plus the coupon and no further payments.

If the notes are not called, investors receive at maturity either full principal plus any due coupon if the final NVIDIA value is at least the 59% barrier, or $1,000 plus $1,000 × Underlier Return if it is below the barrier, which can mean losing a substantial portion or all of the principal. The initial estimated value is expected to be between $921 and $971 per $1,000, below the public price, and all payments depend on Royal Bank of Canada’s credit.

Royal Bank of Canada is offering Dual Directional Trigger PLUS linked to the iShares Silver Trust, maturing on May 5, 2027. Each note has a $1,000 stated principal amount, with an aggregate principal of $10,786,000, and pays no interest. The payoff depends on the ETF’s closing value on the valuation date.

If the ETF finishes above its initial value of $81.02, investors receive $1,000 plus 200% of the positive return, capped at a maximum payment of $1,600 per note. If the final value is at or below the initial value but at or above the trigger level of 80% of the initial value (i.e., $64.82), investors receive $1,000 plus the absolute value of the negative return, up to a 20% gain. If the final value falls below the trigger, repayment is reduced one-for-one with the ETF’s loss, and investors can lose their entire principal.

The notes’ initial estimated value is $960.83 per note, below the public offering price, reflecting fees and hedging costs. The securities are senior unsecured debt of Royal Bank of Canada, subject to its credit risk, will not be listed on an exchange, and may have limited or volatile secondary market values.

Royal Bank of Canada is offering Performance Leveraged Upside Securities ("PLUS") linked to the S&P 500® Index, maturing on May 5, 2027. Each PLUS has a stated principal amount of $1,000 and a 300% leverage factor on positive index performance, subject to a maximum payment at maturity of $1,140 (114% of principal).

If the final index level is above the initial level of 6,940.01, investors receive principal plus 300% of the index gain, capped at the maximum. If the final level is below the initial level, investors lose 1% of principal for each 1% decline in the index, with no minimum repayment, so the entire investment can be lost. The PLUS pay no interest, are senior unsecured debt of Royal Bank of Canada, and all payments depend on the bank’s credit.

The aggregate principal amount is $8,181,000. The public offering price is $1,000 per PLUS, with an initial estimated value of $974.01, reflecting commissions, structuring and hedging costs.

Royal Bank of Canada is issuing $1,977,000 of Auto-Callable Enhanced Return Dual Directional Barrier Notes linked to the common stock of Netflix, Inc., maturing on January 19, 2029. The minimum investment is $1,000.

If on the January 22, 2027 call observation date Netflix’s stock is at or above the initial value of $88.00, the notes are automatically called and pay $1,170 per $1,000 (a 17% return). If not called, at maturity investors get 125% of any positive stock return, capped by formula examples, or a positive “dual directional” return for declines down to the 70% barrier level of $61.60, but can lose substantial or all principal if the final value is below the barrier.

The price to the public is 100% of principal with 2.50% in underwriting discounts, leaving $1,927,575 in proceeds to the bank. The initial estimated value is $964.68 per $1,000, reflecting internal funding and hedging costs. The notes carry Royal Bank of Canada credit risk, involve complex tax considerations, and are not insured or bail-inable.

Royal Bank of Canada is offering market-linked, principal-at-risk securities tied to an equally weighted stock basket of Amazon, Microsoft and NVIDIA. Each security has a $1,000 face amount, an initial estimated value of $969.65, and no interest payments.

At maturity in January 2028, if the basket has risen, holders receive $1,000 plus 125% of the basket gain, but this upside is capped at a maximum return of 31.50%, for a maximum maturity payment of $1,315 per security. If the basket is flat or down but not below 85% of its starting level, investors receive back only the $1,000 face amount. Below that 85% threshold level, losses match further declines beyond the 15% buffer and can reach up to 85% of principal.

The securities are unsecured senior obligations of Royal Bank of Canada and are subject to its credit risk. They are not bank deposits or insured by Canadian or U.S. agencies, will not be listed on an exchange, and secondary market prices may be well below the original offering price. The tax treatment is uncertain and may be affected by future IRS or legislative changes.

Royal Bank of Canada is issuing Auto-Callable Contingent Coupon Barrier Notes linked to the worst performer of three ETFs: the VanEck Gold Miners ETF (GDX), VanEck Semiconductor ETF (SMH) and State Street Financial Select Sector SPDR ETF (XLF). The notes are offered at 100% of principal, with total public offering proceeds of $197,000 and net proceeds to RBC of $193,306.25.

The notes pay a monthly contingent coupon of $10.625 per $1,000 (1.0625% per month, 12.75% per year) only if on each observation date all three ETFs are at or above 60% of their initial levels. The notes can be called quarterly if all underliers are at or above their initial values, returning principal plus that period’s coupon. If not called, and the worst ETF finishes at or above 60% of its initial level, investors receive full principal plus the final coupon; if it finishes below 60%, repayment is reduced one-for-one with that ETF’s loss, down to a total loss of principal. RBC’s initial estimated value is $956.50 per $1,000 note, reflecting structuring and distribution costs, and all payments are subject to RBC’s credit risk.

Royal Bank of Canada is issuing senior unsecured notes linked to the S&P 500® Index that pay no interest and mature on March 29, 2028. Each note has a $1,000 principal amount, with $25,614,000 issued in total, and an initial S&P 500 level of 6,940.01 set on the January 16, 2026 trade date.

If the index’s final level on March 27, 2028 is at least 85.00% of the initial level, holders receive a fixed $1,180 per $1,000 note, an 18% maximum return. If the final level is below 85.00%, repayment is reduced so that holders lose about 1.1765% of principal for every 1% the index falls below the threshold, down to a possible total loss.

The notes will not be listed, are not redeemable early, and any sale before maturity depends on a limited secondary market. The initial estimated value is $997.49 per $1,000 note, below the issue price, and all payments depend on RBC’s creditworthiness.

Royal Bank of Canada is offering $6,910,000 of senior unsecured market-linked notes tied to the worst-performing of Microsoft and NVIDIA stock, maturing on January 19, 2029. Each security has a $1,000 face amount, original offering price of $1,000, and an initial estimated value of $969.84, reflecting structuring and hedging costs.

The notes may be automatically called on January 22, 2027 if the lowest-performing stock is at or above its starting value, paying $1,000 plus a 29% call premium. If not called, at maturity investors receive: face amount plus leveraged upside with a 200% participation rate if the worst stock is above its starting value; full principal back if it is between its starting value and a 50% threshold; or a loss matching the negative return of the worst stock if it falls below that threshold, which can mean losing more than 50% and up to all principal.

The notes pay no interest, are not insured, are not bail-inable, and all payments depend on Royal Bank of Canada’s credit. They will not be listed on an exchange, and any secondary market is expected to be limited with potential for significant discounts to the issue price.

Royal Bank of Canada is issuing $375,000 of Auto-Callable Contingent Coupon Barrier Notes linked to the worst performer of three ETFs: the VanEck Gold Miners ETF (GDX), the VanEck Semiconductor ETF (SMH) and the State Street Financial Select Sector SPDR ETF (XLF). The notes have a $1,000 minimum investment and mature on October 21, 2027.

Investors can receive a contingent coupon of $11.875 per $1,000 each month (a rate of 1.1875% per month, or 14.25% per year) only if all three ETFs are at or above 60% of their initial values on the observation date. The notes are automatically called if, on certain quarterly call observation dates, each ETF is at or above its initial value, in which case investors receive $1,000 plus the coupon and no further payments.

If the notes are not called and, at maturity, the worst-performing ETF is at or above 60% of its initial value, investors receive back their full principal plus any coupon due. If the worst performer is below this barrier, repayment is reduced one-for-one with its loss, and investors can lose a substantial portion or all of their principal. The initial estimated value is $973.92 per $1,000, and the notes are unsecured obligations of Royal Bank of Canada, not insured by any deposit insurance agency.