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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.
Royal Bank of Canada is offering Trigger Autocallable Contingent Yield Notes linked to the common stock of Generac Holdings Inc. These one-year notes (unless called earlier) pay a quarterly contingent coupon at a rate of 10.60% per annum if Generac’s share price is at or above the Coupon Barrier of $84.03 (55% of the Initial Underlying Value of $152.78) on each observation date. If on any quarterly call date Generac’s stock closes at or above the Initial Underlying Value, the notes are automatically called and investors receive $10 per note plus that quarter’s coupon.
If the notes are not called and, at maturity, Generac’s stock is at or above the Downside Threshold of $84.03, investors receive full principal plus the final coupon. If the final stock price is below the Downside Threshold, the maturity payment is reduced in line with the negative return of the stock, with up to 100% loss of principal. The notes are senior unsecured debt of Royal Bank of Canada, are not listed on any exchange, and all payments depend on the bank’s creditworthiness.
Royal Bank of Canada is offering Capped Enhanced Return Dual Directional Buffer Notes linked to the iShares® Silver Trust. The notes are priced at 100% of principal, with 0.20% in underwriting discounts and 99.80% of proceeds to the bank. The minimum investment is $1,000.
At maturity, investors receive enhanced upside and limited downside protection. If the iShares Silver Trust rises, the notes pay 200% of the Underlier return, capped at a Maximum Upside Return of 26.65%, or $1,266.50 per $1,000. If the Underlier falls by up to 10%, investors earn the positive equivalent of that loss, up to 10%. Below a 10% decline, principal is reduced after the buffer, so a 50% Underlier drop would return $600 per $1,000.
The Initial Underlier Value is $72.38 with a 10% buffer level at $65.14. The initial estimated value of the notes is expected to be between $940 and $950 per $1,000, lower than the public offering price due to funding, fees and hedging costs. The notes expose investors to Royal Bank of Canada’s credit risk and to structural, market, liquidity and tax risks described in the risk and tax discussions.
Royal Bank of Canada is offering equity-linked notes tied to a weighted basket of five major non‑U.S. stock indices: EURO STOXX 50® (38%), TOPIX® (26%), FTSE® 100 (17%), Swiss Market Index (11%) and S&P®/ASX 200 (8%). The notes are senior unsecured debt in $1,000 denominations, have an aggregate principal of $4,001,000, pay no interest, and mature on July 12, 2027.
The payoff depends on the basket return from an initial basket level of 100 to a final basket level on July 8, 2027. Investors receive $1,000 plus 300% of any positive basket return, capped at a maximum settlement amount of $1,244.50 per $1,000. If the final basket level is below the initial basket level, principal is reduced 1% for each 1% decline, down to zero, so investors can lose their entire investment.
The original issue price is 100% of principal, with a 1.51% underwriting discount and 98.49% net proceeds to the issuer. The initial estimated value is $977.63 per $1,000, reflecting internal funding and hedging costs. The notes are not listed, are not redeemable before maturity, are not insured by FDIC or CDIC and are subject to RBC’s credit risk.
Royal Bank of Canada is offering senior unsecured notes whose return depends on the MSCI EAFE® Index instead of paying interest. The notes run for about 24–27 months and pay a fixed threshold settlement amount of between $1,124.10 and $1,146.00 per $1,000 of principal if the index finish level is at least 87.50% of its initial level.
If the index ends below that threshold, the payoff drops in proportion to the decline, and investors can lose up to 100% of their principal. The payoff is capped, so gains above the threshold do not increase returns. The initial estimated value is between $963.80 and $993.80 per $1,000, reflecting hedging costs and issuer profit. The notes are not listed, do not pay interest, and carry Royal Bank of Canada credit risk with no FDIC or CDIC insurance.
Royal Bank of Canada is issuing Fixed Coupon Geared Buffer Notes linked to the worst performer of the Russell 2000® Index and the S&P 500® Index. The Notes pay a fixed coupon of $5.75 per $1,000 each month, equal to 0.575% per month or 6.90% per year, regardless of index performance while the Notes are outstanding.
At maturity in April 2027, investors receive $1,000 per Note plus the final coupon if the least performing index is at or above its 80% buffer level of its initial value. If the least performing index has fallen below this buffer, principal is reduced using a 1.25× downside multiplier, so losses become larger than the index decline beyond the 20% buffer, up to a total loss of principal.
The minimum investment is $1,000. The initial estimated value is expected to be between $945 and $995 per $1,000, less than the public offering price, reflecting structuring and hedging costs. The Notes are unsecured debt of Royal Bank of Canada, are not insured by any government agency, and involve complex market, credit and tax risks that may not suit all investors.