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Royal Bank of Canada is offering senior unsecured notes linked to the S&P 500® Index, maturing on December 15, 2027. The notes have a principal amount of $1,000 each and an aggregate principal of $2,344,000, with no periodic interest and no early redemption or exchange listing.
At maturity, investors receive a cash amount based on index performance from the January 2, 2026 trade date to the December 13, 2027 determination date. Upside is enhanced by a 160% participation rate but capped at a maximum settlement amount of $1,231.68 per $1,000 note, reached when the index is at or above 114.48% of its initial level of 6,858.47. A 12.5% buffer protects principal if the index stays at or above 87.5% of the initial level; below that, losses increase at about 1.1429% of principal for each 1% drop under the buffer, and investors could lose their entire investment.
The initial estimated value is $995.50 per $1,000 note, below the issue price, reflecting RBC’s funding and hedging costs. Payments depend on RBC’s credit, and the notes are not insured by FDIC or CDIC. Liquidity may be limited because there is no exchange listing and any secondary market making by RBC Capital Markets may be discretionary.
Royal Bank of Canada is offering auto-callable contingent coupon barrier notes linked to the Class C capital stock of Alphabet Inc. (GOOG). Investors pay 100% of principal, while Royal Bank of Canada receives 98.50% after a 1.50% underwriting discount, and the initial estimated value is expected to range between $922.00 and $972.00 per $1,000 note. The notes pay a contingent coupon of $8.958 per $1,000 (0.8958% monthly, 10.75% per annum) only when GOOG’s closing value is at or above a coupon threshold set at 70% of the initial underlier value on each observation date.
The notes can be automatically called monthly starting July 20, 2026 if GOOG is at or above its initial value, in which case investors receive principal plus the applicable coupon and no further payments. If the notes are not called and at maturity GOOG is at or above the 70% barrier, investors receive full principal plus any due coupon; if GOOG is below the barrier, repayment is in GOOG shares based on a physical delivery amount, likely resulting in a substantial loss of principal and possibly total loss. All payments are subject to Royal Bank of Canada’s credit risk, and the tax treatment is described as prepaid financial contracts with associated coupons, with noted uncertainties, including for non-U.S. holders.
Royal Bank of Canada is offering Capped Enhanced Return Buffer Notes linked to the Russell 2000 Index. The Notes provide 150% participation in any positive index return, capped at a maximum return of 22.80%, so the most an investor receives at maturity is $1,228 per $1,000 of principal.
The Notes include a 10% downside buffer: if the index loss at maturity is up to 10%, investors still receive their full $1,000. If the index falls more than 10%, repayment of principal is reduced and investors can lose a substantial portion of their investment. The initial estimated value is expected to be between $945.10 and $995.10 per $1,000, below the public offering price, reflecting hedging costs and the issuer’s funding rate. All payments depend on Royal Bank of Canada’s credit.
Royal Bank of Canada is issuing Auto-Callable Dual Directional Geared Buffer Notes linked to the worst performer of the Nasdaq-100 Index and the Russell 2000 Index. The Notes are priced at 100% of principal, with underwriting discounts of 0.375% and proceeds to Royal Bank of Canada of 99.625% per $1,000. The initial estimated value is expected to range from $938.50 to $988.50 per $1,000, which is less than the public offering price.
The Notes offer semiannual auto-call features with a call return rate of 11.10% per annum, leading to call payments of $1,055.50, $1,111.00, or $1,166.50 per $1,000 if conditions are met. If not called and the least performing index finishes between 80% and 100% of its initial level, investors receive a positive “dual directional” return up to 20%. If the least performing index falls below 80% of its initial value, losses are magnified by a 1.25 downside multiplier and investors may lose some or all principal. All payments depend on Royal Bank of Canada’s credit.
Royal Bank of Canada is offering Enhanced Return Buffer Notes linked to the S&P 500® Futures Excess Return Index, maturing on January 19, 2029. The Notes are unsecured senior debt of the bank and are not insured by any deposit insurance agency or subject to Canadian bail-in conversion.
Each $1,000 Note is sold at 100% of principal, with a 0.75% underwriting discount, so proceeds to the bank are 99.25% of the principal amount. If the index rises, investors receive $1,000 plus 134.15% of the index gain. If the index falls but stays within a 20% buffer, investors receive back $1,000. If the index falls more than 20%, principal is reduced, and investors can lose a substantial portion of their investment.
The initial estimated value is expected to be between $932 and $982 per $1,000, below the public offering price, reflecting internal funding rates, hedging costs, and dealer compensation. The Notes involve complex risks, including market risk from the futures-based index, valuation uncertainty, conflicts of interest, and uncertain U.S. tax treatment.
Royal Bank of Canada is offering senior Redeemable Fixed Rate Notes due January 20, 2033, as part of its global medium-term note program. The Notes pay a fixed interest rate of 4.50% per annum, with interest paid semiannually on January 20 and July 20 of each year, starting July 20, 2026. The Notes may be redeemed at the bank’s option, in whole but not in part, on the January 20, 2028 interest payment date and on each interest payment date thereafter, with investors receiving principal plus the applicable interest payment on any call date.
RBC Capital Markets, LLC will act as underwriter and will purchase the Notes at prices between $982.50 and $1,000.00 per $1,000 principal amount, reflecting underwriting discounts and selling concessions. The Notes are designated as bail-inable under Canadian law, meaning they can be converted into common shares of the bank or its affiliates and potentially extinguished if Canadian bail-in powers are exercised, and holders agree to be bound by these terms upon purchase.
Royal Bank of Canada is offering $300,000 of Auto-Callable Contingent Coupon Barrier Notes linked to the Bloomberg US Large Cap VolMax Index, maturing in January 2031. The notes pay a contingent monthly coupon of $12.292 per $1,000 (about 14.75% per year) only if the index is at or above a coupon threshold set at 60% of the initial value of 16,293.88, or 9,776.33.
The notes can be automatically called quarterly if the index is at or above its initial value, in which case investors receive $1,000 plus the applicable coupon and no further payments. If the notes are not called and, at maturity, the index is at or above the 60% barrier, investors receive full principal back plus any due coupon; if it is below the barrier, repayment of principal is reduced one-for-one with the index loss, down to zero. The initial estimated value is $939.16 per $1,000, below the public price, and investors are exposed to RBC’s credit risk and the complex, leveraged, fee‑laden index design.
Royal Bank of Canada is offering Auto-Callable Contingent Coupon Barrier Notes with Memory Coupon linked to the common stock of Constellation Energy Corporation. The Notes have a minimum investment of $10,000, a Trade Date of January 6, 2026 and mature on January 22, 2027, unless automatically called earlier.
Investors pay 100% of principal, with 1.00% in underwriting discounts and 99.00% of proceeds to Royal Bank of Canada. If payable, the contingent coupon is $42.15 per $1,000 principal on quarterly dates, but only when the Underlier’s closing value is at or above a coupon threshold set at 60% of the Initial Underlier Value. Missed coupons may be “remembered” and paid later if conditions are met.
If the Notes are not called and the Final Underlier Value is at or above the 60% barrier, investors receive $1,000 per Note plus any due coupons. If it is below the barrier, repayment is reduced in line with the Underlier’s loss, and investors can lose a substantial portion or all of their principal. The initial estimated value is expected to be between $930 and $980 per $1,000, below the public offering price.
Royal Bank of Canada is offering senior unsecured Autocallable Strategic Accelerated Redemption Securities® linked to an equally weighted basket of three financial sector stocks: Goldman Sachs, JPMorgan Chase and Morgan Stanley. Each note has a $10 principal amount and can be automatically called on annual Observation Dates in 2027, 2028 or 2029 if the basket is at or above its Starting Value of 100.00, paying $10 plus a fixed Call Premium.
If the notes are not called and the Ending Value is below the Threshold Value, set at 100% of the Starting Value, investors lose principal on a 1-for-1 basis. The notes pay no interest, do not provide dividends, are not insured, and all payments are subject to RBC’s credit risk. The public offering price of $10.00 per unit includes a $0.20 underwriting discount and a $0.05 hedging-related charge, so the initial estimated value is expected to be between $9.00 and $9.50 per unit.
Royal Bank of Canada is issuing $953,000 of senior unsecured notes linked to an equally weighted basket of ten large‑cap U.S. stocks, maturing on January 6, 2031. The basket includes shares of AIG, CME Group, Duke Energy, FirstEnergy, Kraft Heinz, Kimberly‑Clark, Coca‑Cola, Philip Morris International, Prudential Financial and Verizon.
The notes offer 100% participation in any positive basket performance, so if the basket is above its initial level at maturity, holders receive $1,000 plus the full basket return per $1,000 of principal. If the basket is flat or down, investors receive only the $1,000 principal at maturity, providing downside protection but no interest payments.
The public offering price is 100% of principal, with underwriting discounts and commissions of 3.20%, resulting in proceeds to Royal Bank of Canada of 96.80%. The bank’s initial estimated value is $944.32 per $1,000, reflecting structuring, distribution and hedging costs, and all payments are subject to Royal Bank of Canada’s credit risk.