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Royal Bank of Canada is offering Capped Return Notes linked to the S&P 500 Index. These notes are unsecured RBC debt that return your $1,000 principal at maturity even if the index falls, but limit upside if it rises. If the index finishes above its initial level on the July 16, 2031 valuation date, you receive principal plus 100% of the index gain, capped by a Maximum Return of 35%, so the most you can receive at maturity is $1,350 per $1,000 note.
If the index finishes at or below its initial level, you receive only your principal, with no additional return. The price to the public is 100% of principal, with a 3.00% underwriting discount and 97.00% of proceeds to RBC. The initial estimated value is expected between $894.00 and $944.00 per $1,000 note, reflecting fees and hedging costs. The notes are intended to be treated as contingent payment debt instruments for U.S. tax purposes, requiring annual interest accruals, and they carry RBC credit risk and limited secondary market liquidity.
Royal Bank of Canada is issuing $1,000,000 of Enhanced Return Notes linked to the S&P 500 Market Agility 10 TCA 0.5% Decrement Index, maturing January 4, 2029. The notes are unsecured senior debt and pay no coupons. At maturity, investors receive their $1,000 principal plus 110% of any positive index return; if the index is flat or down, they receive only principal back.
The price to the public is 100% of principal, with underwriting discounts of 1.00%, resulting in proceeds to Royal Bank of Canada of $990,000. The initial estimated value is $966.34 per $1,000, lower than the public offering price due to internal funding, hedging costs and fees. The underlier uses a leveraged, rules-based strategy with a 10% volatility target, a 0.5% annual decrement fee and additional transaction and funding costs that systematically reduce index performance.
The notes are treated as contingent payment debt instruments for U.S. federal income tax purposes, requiring investors to accrue interest income based on a comparable yield. The notes are not insured by Canadian or U.S. deposit insurers and all payments depend on Royal Bank of Canada’s credit.
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 quarterly contingent coupon of at least $20 per $1,000 (at least 8% per year) only if each index closes at or above 70% of its initial level on the relevant observation date. The notes can be automatically called quarterly starting in January 2027 if all three indices are at or above their initial levels, in which case investors receive principal plus the applicable coupon and no further payments.
If the notes are not called and the worst index finishes below 70% of its initial value at maturity in January 2030, repayment of principal is reduced one-for-one with the index loss, and investors can lose most or all of their investment. The issuer’s initial estimated value per $1,000 is expected to be materially below the public offering price, reflecting underwriting discounts, funding rates and hedging costs, and secondary market values may be lower than this estimate.
Royal Bank of Canada is offering S&P 500®-linked Capped Return Notes that return principal at maturity and provide equity-linked upside up to a fixed cap. Each note has a $1,000 principal amount, a 100% participation rate in positive S&P 500 performance, and a maximum return of 33.20%, so the most an investor can receive at maturity is $1,332 per $1,000. If the index finishes at or below its initial level on the July 16, 2030 valuation date, investors receive only their $1,000 principal at maturity on July 19, 2030, with no additional return.
The notes are unsecured debt of Royal Bank of Canada and all payments depend on its credit. They are sold at 100% of principal, while the bank’s initial estimated value is expected to be between $926 and $976 per $1,000, reflecting structuring and hedging costs. For U.S. tax purposes, RBC intends to treat the notes as contingent payment debt instruments, requiring holders to accrue interest income annually based on a comparable yield.
Royal Bank of Canada is offering 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 $23.00 per $1,000 (2.30% per quarter, 9.20% per year) only if, on each observation date, all three indices are at or above 75% of their initial values. Beginning in January 2027, the Notes are automatically called if, on a call observation date, each index is at or above its initial value, in which case investors receive $1,000 per Note plus any due coupon and no further payments.
If the Notes are not called and the worst-performing index on the valuation date is at or above 60% of its initial value, investors receive full principal back (and any coupon due). If that index is below 60%, repayment is reduced one-for-one with its loss, and investors can lose a substantial portion or all of their principal. The price to the public is 100% of principal, with 1.00% underwriting discounts, and the initial estimated value is expected to be between $914.50 and $964.50 per $1,000, reflecting fees and hedging costs.
Royal Bank of Canada is offering senior unsecured notes linked to the S&P 500® Index with a stated maturity date of March 22, 2028. Each note has a $1,000 principal amount, with $9,010,000 in aggregate principal at issuance, and does not pay interest.
The initial underlier level is 6,905.74 and the threshold level is 85.00% of that value. If, on the determination date, the S&P 500® is at or above the threshold level, investors receive a fixed threshold settlement amount of $1,180.00 per $1,000 note, capping the maximum return at 18%. If the final level is below the threshold, repayment is reduced on a leveraged basis and investors can lose up to their entire principal.
The notes will not be listed on any exchange and are subject to Royal Bank of Canada’s credit risk. The initial estimated value is $996.72 per $1,000 note, lower than the original issue price, and secondary market prices may be significantly below the amount paid.
Royal Bank of Canada is offering $2,752,000 of market-linked senior unsecured notes tied to the S&P 500® Index, each with a $1,000 face amount and maturing on January 3, 2028. The notes provide 125% upside participation if the index rises, but gains are capped at a maximum return of 19.10%, for a maximum maturity payment of $1,191 per note.
If the index finishes between the starting value and a 10% buffer below it (the threshold value at 90% of the starting level), investors receive back the $1,000 face amount. If the index ends below the threshold, principal is reduced 1-for-1 beyond the 10% buffer, with losses up to 90% of face value in a worst case. The initial estimated value is $971.52 per note, lower than the $1,000 offering price, reflecting dealer discounts, hedging costs and RBC’s internal funding rate. The notes pay no interest, are not insured, and all payments depend on the credit of Royal Bank of Canada.
Royal Bank of Canada is offering auto-callable contingent coupon barrier notes linked to the weaker performer of Amazon.com, Inc. and Deere & Company stock. The notes pay a contingent quarterly coupon of $22.50 per $1,000 (2.25% per quarter, 9.00% per year) only if both stocks are at or above a coupon threshold set at 51.40% of their initial values on each observation date, with a memory feature that can make up missed coupons later.
The notes can be automatically called quarterly if both underliers are at or above their initial levels, returning $1,000 plus due coupons. If they are not called and, at maturity in January 2029, the worst-performing stock is at or above its barrier, investors receive full principal back plus any due coupons; if it is below the barrier, repayment is reduced one-for-one with that stock’s loss, potentially to zero. The initial estimated value is expected between $922 and $972 per $1,000, and all payments depend on Royal Bank of Canada’s credit and the complex U.S. tax treatment described.
Royal Bank of Canada is offering $500,000 of Auto-Callable Contingent Coupon Geared Buffer Notes with Memory Coupon linked to the Class C stock of Alphabet Inc. The notes are priced at 100% of principal, with 1.00% in underwriting discounts, resulting in $495,000 of proceeds to Royal Bank of Canada.
For each $10,000 note, investors may receive quarterly contingent coupons of $283.50 if Alphabet’s closing value on the observation date is at or above 80% of the initial value of $314.96 (a $251.97 threshold). Missed coupons have a “memory” feature and can be paid later if conditions are met. The notes are automatically called if Alphabet’s value on a call observation date is at or above the initial value, returning $10,000 plus due coupons.
If not called, investors receive $10,000 at maturity per note if the final Alphabet value is at or above the 80% buffer. If it is below that buffer, investors receive about 39.69 Alphabet shares per $10,000 note, which may be worth significantly less than principal and could result in a substantial or total loss. The initial estimated value is $9,864.26 per $10,000 note, below the public offering price, and all payments are subject to Royal Bank of Canada’s credit and tax risks.
Royal Bank of Canada is offering Redeemable Fixed Rate Notes under its Series J medium-term note program. The Notes pay fixed interest at 5.00% per annum, with interest paid semiannually on January 15 and July 15, starting July 15, 2026, until maturity on January 15, 2038, if not redeemed earlier. The minimum investment is $1,000, in denominations of $1,000.
RBC may, at its option, redeem all (but not part) of the Notes on the January 15, 2028 interest payment date and on any subsequent interest payment date, paying principal plus the applicable interest. The Notes are bail-inable, meaning they may be converted into common shares or otherwise affected under Canadian bail-in powers if RBC becomes non-viable. RBC Capital Markets, LLC acts as underwriter, purchasing the Notes at prices between $980 and $1,000 per $1,000 principal, and may pay selling concessions to selected dealers.