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Royal Bank of Canada is offering market-linked notes that put your principal at risk, tied to the worst performer among Dell, Netflix and Uber shares and maturing on February 26, 2027. Each security has a $1,000 face amount and an initial estimated value between $900 and $950, which is lower than the original offering price due to funding, hedging costs and selling commissions.
If, on the calculation day, the lowest performing stock is at or above 70% of its starting value, you receive $1,000 plus a contingent fixed return of at least 36% (at least $360). If that stock finishes below its 70% threshold, you are fully exposed to its decline from the starting value, losing more than 30% and up to all of your principal. The notes pay no periodic interest, are unsecured senior debt of Royal Bank of Canada, and all payments depend on the bank’s credit. There is no exchange listing, secondary market liquidity may be limited and prices may be well below the issue price, and the U.S. tax treatment is described as uncertain prepaid derivative treatment.
Royal Bank of Canada is issuing auto-callable contingent coupon barrier notes with a memory coupon linked to the Bloomberg US Large Cap VolMax Index. The total offering size is $898,000, with a price to the public of 100.00% of principal and proceeds to the bank of 99.40% ($892,612) after underwriting discounts. The notes pay a contingent coupon of $11.50 per $1,000 (1.15% per month, 13.80% per annum) only when the index is at or above 70% of its initial value, with missed coupons potentially paid later if conditions are met. If the index closes below 60% of its initial value at maturity and the notes have not been called, repayment of principal is reduced one-for-one with the index loss, so investors can lose a substantial portion or all of their investment. The initial estimated value is $947.91 per $1,000, below the public offering price, reflecting structuring and hedging costs.
Royal Bank of Canada is offering $5,641,000 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 January 14, 2030. The notes pay a contingent coupon of $23 per $1,000 (2.30% per quarter, 9.20% per year) only if all three indices are at or above 75% of their initial levels on each quarterly observation date.
The notes can be automatically called starting in January 2027 if all indices are at or above their initial levels, in which case investors receive $1,000 plus the applicable coupon and no further payments. If held to maturity and not called, principal is fully repaid only if the worst-performing index finishes at or above 60% of its initial level; otherwise repayment is reduced in line with that index’s loss, and investors could lose most or all of their principal.
The minimum investment is $1,000. The initial estimated value is $982.31 per $1,000, below the public offering price, reflecting fees, hedging costs and Royal Bank of Canada’s funding rate. The tax discussion indicates the notes are reasonably treated as prepaid financial contracts with ordinary-income coupons, but this treatment is uncertain and future U.S. tax changes could be adverse.
Royal Bank of Canada is offering three-year Fixed Coupon Barrier Notes linked to the worst-performing of Apple, Clorox and Netflix common stock. The Notes pay a fixed coupon of $31 per $1,000 each quarter, equal to 12.40% per year, regardless of how the stocks move during the term.
At maturity in January 2029, investors receive $1,000 per Note if the least performing stock is at or above 70% of its initial level. If that stock finishes below this barrier, investors receive shares of that stock instead of cash, based on a set physical delivery amount, and may suffer substantial loss of principal.
The public offering price is 100% of principal, with underwriting discounts of 1.25% and proceeds to Royal Bank of Canada of 98.75%. The initial estimated value is expected between $925 and $975 per $1,000, reflecting hedging costs, fees and the bank’s funding rate. All payments depend on Royal Bank of Canada’s credit.
Royal Bank of Canada is issuing S&P 500®-linked Barrier Digital Notes with a $500,000 total offering. The Notes are priced at 100% of principal, with 2.50% in underwriting discounts, resulting in proceeds to the bank of $487,500. The initial estimated value is $970.62 per $1,000 Note, which is lower than the public offering price.
The Notes reference the S&P 500 Index, with an Initial Underlier Value of 6,921.46 and a Barrier Value at 85% of that level, or 5,883.24. At maturity on January 11, 2030, investors receive $1,000 plus a 33.20% Digital Return per Note if the Final Underlier Value is at or above the Barrier. If the Final Underlier Value is below the Barrier, payment is $1,000 plus the Underlier Return, so investors can lose a substantial portion or all of their principal.
The Notes are unsecured debt of Royal Bank of Canada, are not insured by any government agency, and are not bail‑inable. Liquidity may be limited and secondary market prices may be materially below the initial estimated value. For U.S. tax purposes, counsel views the Notes as prepaid financial contracts, but this treatment is uncertain, and future tax or regulatory changes could adversely affect after‑tax returns, including for Non‑U.S. Holders.
Royal Bank of Canada is offering Capped Enhanced Return Barrier Notes linked to the MSCI Emerging Markets Index, maturing on March 19, 2027. The Notes are issued in minimum investments of $1,000 and are unsecured debt obligations subject to Royal Bank of Canada’s credit risk.
At maturity, investors receive $1,000 plus a leveraged gain if the index is above its initial level, with a 200% participation rate capped by a Maximum Return of at least 12.75%, so the maximum payment is at least $1,127.50 per $1,000. If the index ends at or below its initial level but not below 85% of that level, principal is returned. If it finishes below 85% of the initial level, repayment is reduced one-for-one with the index loss, and investors could lose most or all of their principal.
The price to the public is 100% of principal, with underwriting discounts and commissions of 2.00%, so proceeds to Royal Bank of Canada are 98.00%. The initial estimated value is expected to be between $921.50 and $971.50 per $1,000, reflecting internal funding and hedging costs, and may differ from secondary market values. U.S. federal tax treatment is expected to follow prepaid financial contract treatment, but this is not certain and could change.
Royal Bank of Canada is offering unsecured Notes linked to an unequally weighted basket of three equity indices: 60% EURO STOXX 50® Index, 30% TOPIX® Index and 10% MSCI Emerging Markets Index. The Notes have a minimum investment of $1,000, trade date on January 13, 2026, issue date January 16, 2026, and mature on January 17, 2031.
At maturity, investors receive their $1,000 principal back even if the Basket has declined. If the Final Basket Value is above the Initial Basket Value of 100, the payment increases by 100% of the Basket Return, so a 20% Basket gain leads to a $1,200 payment. The participation rate is 100%, and all payments depend on RBC’s creditworthiness.
The price to the public is 100% of principal, with underwriting discounts of 3.35% and proceeds to Royal Bank of Canada of 96.65% per $1,000 of Notes. The bank expects the initial estimated value to be between $897.00 and $947.00 per $1,000. For U.S. tax purposes, RBC intends to treat the Notes as contingent payment debt instruments, and counsel expects Section 871(m) withholding will not apply to Non-U.S. Holders based on current determinations.
Royal Bank of Canada is offering auto-callable fixed coupon barrier notes linked to the weaker performer of Broadcom common stock and Taiwan Semiconductor ADRs. The notes pay a fixed coupon of $33.75 per $1,000 each quarter (13.50% per year) as long as they remain outstanding. If on any quarterly call observation date both underliers are at or above their initial values, the notes are automatically called and investors receive $1,000 per note plus that quarter’s coupon.
If the notes are not called, investors receive at maturity $1,000 per note plus the final coupon if the least performing underlier finishes at or above 55% of its initial value. If it finishes below that barrier, investors receive shares of the worst underlier instead of cash, which may be worth far less than principal and could be zero. The price to the public is 100% of principal, with proceeds to RBC of 98.25%. The initial estimated value is expected to range from $902.50 to $952.50 per $1,000 note.
Royal Bank of Canada is offering Issuer Callable Contingent Coupon Barrier Notes linked to the common stock of Netflix, Inc. The Notes pay a contingent coupon of $11.25 per $1,000 (1.125% per month, 13.50% per year) only if Netflix’s closing value on each observation date is at or above a coupon threshold set at 70% of the initial value.
The Notes are callable at RBC’s option on specified quarterly call dates; if called, investors receive $1,000 plus any due coupon and no further payments. If not called, at maturity investors receive $1,000 per Note if the final Netflix value is at or above a barrier set at 60% of the initial value, or $1,000 plus $1,000 × Underlier Return if it is below, which can result in substantial or total loss of principal.
The initial estimated value is expected to be between $920 and $970 per $1,000, lower than the public offering price, reflecting dealer compensation, hedging costs and RBC’s internal funding rate. U.S. tax treatment is uncertain; counsel views the Notes as prepaid financial contracts with associated coupons, but the IRS could challenge this characterization.
Royal Bank of Canada is offering auto-callable contingent coupon barrier notes with a memory coupon linked to the common stock of Blackstone Inc. (BX). The notes are sold at 100% of principal, with underwriting discounts of 0.65% and proceeds to RBC of 99.35% of the principal amount. The initial estimated value per $1,000 note is expected to range from $933 to $983, which is lower than the public offering price.
The notes pay a quarterly contingent coupon of $30.625 per $1,000 (12.25% per year) only if BX’s closing value is at or above a coupon threshold of 70% of the initial underlier value, and missed coupons can be paid later if conditions are met. The notes can be automatically called quarterly starting July 2026 if BX is at or above its initial value, in which case investors receive $1,000 plus due coupons and no further payments.
If not called, and on the valuation date BX is at or above the 70% barrier, investors receive $1,000 plus any due coupons. If BX closes below the barrier, investors receive physical delivery of BX shares (about 6.34 shares per $1,000 at issuance levels) that may be worth substantially less than principal, with downside exposure similar to owning the stock and no further coupons.