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Royal Bank of Canada is offering $7,096,000 of Auto-Callable Contingent Coupon Barrier Notes linked to the worst performer of Amazon.com and Deere & Company stock. These three-year notes can pay a quarterly contingent coupon of 2.25% (9.00% per year) per $1,000, but only when both stocks close at or above 51.40% of their initial values on the relevant observation date, with missed coupons potentially paid later under a “memory” feature.
The notes are automatically called, returning $1,000 plus due coupons, if on any call observation date both stocks are at or above their initial values. If not called, and at maturity the worst-performing stock is below its 51.40% barrier, repayment of principal is reduced one-for-one with that stock’s loss, and investors could lose all of their investment. Underwriting discounts are 2.00%, so RBC’s proceeds are 98.00% of the offering amount, and the initial estimated value is $969.46 per $1,000, below the public offering price.
Royal Bank of Canada is issuing $500,000 of unsecured Notes linked to a basket of three equity indices: the EURO STOXX 50® (60% weight), TOPIX® (30%), and MSCI Emerging Markets (10%). The Notes are issued at 100% of principal in minimums of $1,000, with underwriting discounts and commissions of 3.35%, resulting in proceeds to Royal Bank of Canada of $483,250.
The Notes mature on January 17, 2031. At maturity, investors receive at least their $1,000 principal per Note. If the basket’s final value is above its initial value of 100, the payoff increases by the basket return multiplied by a 100% participation rate, providing uncapped upside but no periodic interest.
The initial estimated value is $945.59 per $1,000, lower than the public offering price, reflecting internal funding and hedging costs. The Notes are subject to Royal Bank of Canada’s credit risk and are treated as contingent payment debt instruments for U.S. federal income tax purposes, requiring accrual of interest income based on a comparable yield.
Royal Bank of Canada is issuing Fixed Coupon Barrier Notes linked to the worst-performing of Apple, Clorox and Netflix stock. The offering totals $3,807,000, with proceeds to the bank of $3,759,412.50 after a 1.25% underwriting discount. Each note has a $1,000 denomination and pays a fixed coupon of $31 per quarter, equal to 12.40% per annum, regardless of underlier performance.
At maturity on January 18, 2029, holders receive $1,000 per note if the least-performing stock is at or above 70% of its initial value. If that stock finishes below this barrier, investors receive shares of that stock equal to the physical delivery amount, which may be worth substantially less than $1,000 and could be worth zero, meaning a significant or total loss of principal. The initial estimated value is $997.04 per $1,000, below the public offering price, reflecting internal funding and hedging costs.
Royal Bank of Canada is offering market linked, auto-callable notes tied to the common stock of Broadcom Inc., with principal at risk and a stated maturity of February 1, 2029. Each security has a $1,000 face amount, an original offering price of $1,000, an agent discount of $23.25 and proceeds to RBC of $976.75 per security. The initial estimated value is expected to range between $910 and $960 per security, below the offering price, reflecting internal funding and hedging costs.
The notes pay a contingent quarterly coupon at a per annum rate of at least 20.25% only if Broadcom’s closing value on each calculation day is at or above a coupon threshold set at 70% of the starting value. From July 2026 to October 2028, the notes are automatically called if Broadcom’s price on a calculation day is at or above the starting value, returning the $1,000 face amount plus a final coupon.
If not called, investors receive at maturity $1,000 per security if the ending value is at or above the 70% downside threshold. If the ending value is below that threshold, the maturity payment is $1,000 multiplied by the performance factor, exposing investors to the full decline in Broadcom’s stock and potentially a total loss of principal, while not participating in any stock appreciation.
Royal Bank of Canada is offering auto-callable contingent coupon barrier notes with a memory coupon linked to the common stock of NVIDIA Corporation, maturing in January 2029. The notes pay a contingent coupon of $8.125 per $1,000 (0.8125% per month, 9.75% per annum) when NVIDIA’s share price is at or above a coupon threshold set at 50% of the initial share value on observation dates, with missed coupons potentially paid later if conditions are met.
The notes can be automatically called quarterly starting about one year after issuance if NVIDIA closes at or above its initial value, in which case investors receive $1,000 plus due coupons and the notes terminate. If not called, and on the valuation date NVIDIA is at or above the 50% barrier, investors receive full principal back plus any due coupons. If NVIDIA finishes below the barrier, investors receive NVIDIA shares worth less than the principal, potentially up to a 100% loss. The initial estimated value is expected between $912.50 and $962.50 per $1,000 note, below the public offering price.
Royal Bank of Canada is issuing Redeemable Fixed Rate Notes that pay interest at 5.00% per annum, with semiannual payments each January 29 and July 29 starting July 29, 2026. If the Notes remain outstanding, investors receive the principal plus the final interest payment on January 29, 2038.
The Notes are callable at the bank’s option in whole, but not in part, on January 29, 2028 and on each following interest payment date, with 10 business days’ prior notice. They are offered in minimum denominations of $1,000, with RBC Capital Markets, LLC underwriting at between $980 and $1,000 per $1,000 principal amount. The Notes are designated as Canadian bail-inable notes, meaning they may be converted into common shares or written down under Canadian bail-in powers in a resolution scenario, and they are not insured by Canadian or U.S. deposit insurance agencies.
Royal Bank of Canada is offering senior unsecured notes linked to the S&P 500 Index that pay no interest and mature on May 10, 2028. Each note has a $1,000 principal amount, with an initial underlier level of 6,977.27 and a total initial issuance of $9,280,000, which may be increased.
At maturity, if the S&P 500 final level is at least 85.00% of the initial level, investors receive a fixed threshold settlement amount of $1,189.10 per $1,000, capping upside at a gain of 18.91% regardless of further index appreciation. If the final level is below 85%, principal is reduced roughly 1.1765% for every 1% the index falls below the threshold, down to a potential total loss.
The notes are not listed, have no early redemption, and are subject to Royal Bank of Canada’s credit risk. The initial estimated value is $996.55 per $1,000, below the issue price, and secondary market prices may be significantly lower than both the principal and this estimate, especially for investors buying at a premium.
Royal Bank of Canada is offering $10.94 million of Redeemable Fixed Rate Notes that pay a fixed 5.00% per annum interest rate. Interest is paid semiannually on January 15 and July 15, starting July 15, 2026, with final maturity on January 15, 2038, if the Notes are not redeemed early.
Royal Bank of Canada may, at its option, redeem all of the Notes (but not only some) on January 15, 2028 and on any subsequent interest payment date, paying back principal plus the scheduled interest on the call date. The price to the public is 100% of principal, with underwriting discounts of 1.08%, resulting in proceeds of about $10.82 million to the Bank.
The Notes are senior bail-inable debt, meaning they may be converted into common shares or written off under Canadian bail-in powers in a resolution scenario. They are not insured by Canadian or U.S. deposit insurance schemes, and holders face the Bank’s credit risk as well as structural, liquidity, and market risks described in the risk sections.
Royal Bank of Canada is offering $2,235,000 of Trigger Autocallable Contingent Yield Notes linked to the common stock of Generac Holdings Inc. These one-year notes pay a 10.60% per annum contingent coupon, in quarterly installments, but only if Generac’s share price on each observation date is at or above the $84.03 coupon barrier, which is 55% of the $152.78 initial share value.
The notes are automatically called early if Generac’s closing price on any quarterly call date is at or above the initial value, returning the $10 principal per note plus that quarter’s coupon. If the notes are not called and, at maturity, Generac is at or above the same $84.03 downside threshold, investors receive principal plus the final coupon. If Generac finishes below this threshold, repayment is reduced in line with the stock’s negative return, and investors can lose up to 100% of principal.
The notes are senior unsecured debt of Royal Bank of Canada, are not listed on any exchange, and carry the bank’s credit risk. They are sold at $10.00 per note, with underwriting fees of $0.15 per note and an initial estimated value of $9.84, reflecting dealer compensation and hedging costs.
Royal Bank of Canada is offering long-term Redeemable Fixed Rate Notes that pay interest at 5.30% per annum. Interest is paid annually each January 30, starting in 2027, with a scheduled maturity on January 30, 2046, when investors receive the principal plus the final interest payment if the notes have not been redeemed earlier.
The notes are callable at the bank’s option, in whole but not in part, on the interest payment date scheduled for January 30, 2029 and on each interest payment date thereafter, with 10 business days’ prior notice. The minimum investment is $1,000, and RBC Capital Markets, LLC will buy the notes at prices between $960 and $1,000 per $1,000 principal amount and may reallow up to $40 as selling concessions.
The notes are bail-inable under Canadian law, meaning they may be converted into common shares or written down under the CDIC Act, and investors accept these terms by purchasing. U.S. tax counsel treats the notes as debt instruments issued without original issue discount for U.S. federal income tax purposes. The notes are subject to Royal Bank of Canada’s credit risk and are not insured by Canadian or U.S. deposit insurance agencies.