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Royal Bank of Canada is offering senior Redeemable Fixed Rate Notes due January 16, 2036, with a total offering size of $1,211,000. The notes pay fixed interest of 4.85% per year, with semiannual payments each January 16 and July 16, starting July 16, 2026.
The notes are callable at the bank’s option, in whole but not in part, on January 16, 2029 and on any interest payment date thereafter, at par plus the applicable interest payment. If not called, investors receive principal plus the final interest payment at maturity, subject to the bank’s credit risk.
The price to the public is 100% of principal, with underwriting discounts and commissions of 0.95%, resulting in proceeds to Royal Bank of Canada of 99.05%, or $1,199,495.50. RBC Capital Markets, LLC may sell to some investors at prices as low as $989 per $1,000. The notes are “bail-inable,” meaning they can be converted into common shares or written down under Canadian bail-in powers in a resolution scenario.
Royal Bank of Canada is offering auto-callable contingent coupon barrier notes linked to the worst performer of the Nasdaq-100, Russell 2000 and S&P 500 indexes. The notes are issued at 100% of principal, with proceeds to the bank of 99.25% after underwriting discounts.
If not called, investors may receive a quarterly contingent coupon of $23.375 per $1,000 in principal (9.35% per year) whenever each index closes at or above 70% of its initial level on the relevant observation date. The notes are automatically called if, on a call observation date, each index is at or above its initial level, returning $1,000 plus the coupon.
At maturity in July 2029, if the notes have not been called and the worst-performing index is at or above 60% of its initial level, investors receive full principal back (and any coupon otherwise due). If the worst-performing index is below 60%, repayment is reduced one-for-one with its loss, and investors may lose most or all of principal. The initial estimated value is expected to be between $929.00 and $979.00 per $1,000, below the public offering price.
Royal Bank of Canada is issuing $10,883,000 of Redeemable Fixed Rate Notes due January 16, 2031. The Notes pay a fixed interest rate of 4.30% per annum, with interest paid semiannually on January 16 and July 16, starting July 16, 2026.
The Notes are issued in minimum denominations of $1,000. The price to the public is 100.00% of principal, with underwriting discounts of 0.53%, resulting in proceeds to Royal Bank of Canada of 99.47% of the principal amount.
The Notes are callable at the issuer’s option, in whole but not in part, on the January 16, 2028 interest payment date and on each interest payment date thereafter, upon 10 business days’ notice. They are bail-inable under Canadian law, meaning they may be converted into common shares or written off under the Canadian bail-in regime in a resolution scenario.
Royal Bank of Canada is offering Redeemable Fixed Rate Notes due January 30, 2036 as part of its senior global medium-term note program. The Notes pay a fixed interest rate of 4.75% per annum, with interest paid semiannually on January 30 and July 30, beginning July 30, 2026.
The Notes are redeemable at the bank’s option, in whole but not in part, on the January 30, 2031 interest payment date and on each interest payment date thereafter, at which point investors receive principal plus the applicable interest payment and no further payments. All payments are subject to Royal Bank of Canada’s credit risk.
The Notes are designated as bail-inable under Canadian law, meaning they can be converted into common shares of the bank or its affiliates, or varied or extinguished, in a bail-in conversion. U.S. tax counsel opines that the Notes will be treated as debt instruments issued without original issue discount for U.S. federal income tax purposes. The minimum investment is $1,000, in denominations of $1,000.
Royal Bank of Canada is offering Dual Directional Buffer Digital Notes linked to the S&P 500 Index. The Notes pay at maturity based on index performance between the January 27, 2026 trade date and the March 1, 2027 valuation date.
Per $1,000, investors receive a 7% Digital Return ($1,070) if the final index level is at or above 93% of its initial value. If the index is below 93% but at or above 86%, investors earn a positive “dual directional” payoff equal to the absolute index move, up to a maximum 14% gain ($1,140). Below 86%, principal is reduced, with losses increasing as the index falls.
The Notes have a 14% downside buffer, but investors can lose a substantial portion of principal. The initial estimated value is expected to be between $940.48 and $990.48 per $1,000, less than the public offering price, reflecting dealer compensation and hedging costs. All payments depend on Royal Bank of Canada’s credit.
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.