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Royal Bank of Canada is offering $3,000,000 of Trigger Autocallable Contingent Yield Notes linked to the Nasdaq-100, Russell 2000 and S&P 500 indices. The notes pay a 9.45% per annum contingent coupon, made quarterly only if each index closes at or above 70% of its initial level on the relevant observation date. The notes can be automatically called each quarter from March 2026 onward if all three indices are at or above their initial values, in which case holders receive $10 per note plus the coupon and the product terminates early.
If the notes are not called, and at maturity in December 2028 the worst-performing index is at or above 70% of its initial level, investors receive $10 per note plus the final coupon. If the worst index finishes below that threshold, repayment is reduced in line with its loss, up to a full loss of principal. The notes are unsecured, not insured, not listed on an exchange, and all payments depend on Royal Bank of Canada’s creditworthiness.
Royal Bank of Canada is offering buffer digital notes linked to the S&P 500 Index. These notes are senior unsecured debt with a minimum investment of $1,000 and are issued at 100% of principal, with underwriting discounts of 0.25% and proceeds to the bank of 99.75%. The initial estimated value per $1,000 is expected to be between $942.50 and $992.50, reflecting dealer compensation, hedging costs and the bank’s internal funding rate.
The notes offer a fixed digital return of 17.15% at maturity if the S&P 500’s final level is at or above a 90% buffer level. If the index falls more than the 10% buffer, investors lose principal in line with the index decline beyond that buffer, up to a substantial loss. Payments depend entirely on Royal Bank of Canada’s credit. The material also highlights limited secondary market liquidity, potentially wide bid/ask spreads, and complex U.S. tax treatment, including reliance on a prepaid financial contract characterization that the IRS could challenge.
Royal Bank of Canada is offering auto-callable contingent coupon barrier notes linked to the worst performer among Apple, Amazon and Meta Class A shares. The notes pay a contingent coupon of $10.50 per $1,000 each month (an annual rate of 12.60%) only if on the observation date all three stocks are at or above 50% of their initial level. The notes can be automatically called quarterly if each stock is at or above its initial level, in which case investors receive $1,000 plus the coupon and the notes terminate early.
If the notes are not called and the worst-performing stock finishes at or above 50% of its initial level on the final valuation date, investors receive full principal back plus the final coupon. If the worst performer ends below 50%, repayment of principal is reduced one-for-one with the stock’s loss, up to total loss of principal. The initial estimated value per $1,000 is expected to be between $914 and $964, below the public offering price, reflecting structuring and hedging costs, and all payments depend on RBC’s credit.
Royal Bank of Canada is offering Auto-Callable Contingent Coupon Barrier Notes linked to the common stock of Apple Inc. The Notes have a minimum investment of $1,000 and pay a contingent coupon of $23.50 per $1,000 each quarter, equal to 2.35% per quarter or 9.40% per annum, but only when Apple’s closing value on the relevant observation date is at or above a coupon threshold set at 75% of the initial value.
The Notes can be automatically called on quarterly call observation dates if Apple’s value is at or above its initial level, in which case investors receive their $1,000 principal plus the contingent coupon and no further payments. If the Notes are not called and, at maturity in December 2027, Apple’s value is at or above the 75% barrier, investors get full principal back plus any due coupon.
If at maturity Apple’s value is below the 75% barrier, investors receive shares of Apple equal to a physical delivery amount instead of cash principal, which can lead to substantial loss of principal. The initial estimated value is expected to be between $923 and $973 per $1,000, below the public offering price, reflecting fees, structuring and hedging costs. All payments depend on Royal Bank of Canada’s credit and involve complex risk and tax considerations.
Royal Bank of Canada is offering auto-callable contingent coupon barrier notes with a memory coupon linked to the Class A common stock of Meta Platforms, Inc., maturing on June 16, 2027. These notes are senior unsecured debt of the bank and are not insured by any Canadian or U.S. deposit insurance agency.
The notes pay a contingent coupon of $137.50 per $5,000 in principal (2.75% per quarter, 11.00% per year) only if Meta’s share price on each observation date is at or above a coupon threshold set at 63.40% of the initial share value
If the notes are not called and Meta’s final value is below the barrier, investors receive Meta shares equal to the physical delivery amount instead of full cash principal, exposing them to potentially large losses up to a full loss of principal. The initial estimated value per $5,000 of notes is expected to be between $4,647.75 and $4,897.75, below the public offering price, reflecting dealer compensation and hedging costs.
Royal Bank of Canada is offering auto-callable contingent coupon barrier notes linked to the worst performer of the Dow Jones Industrial Average, Nasdaq-100 Index and Russell 2000 Index. The notes pay a contingent coupon of $20 per $1,000 each quarter (a rate of 2.00% per quarter, or 8.00% per year) only if, on the observation date, each index is at or above 70% of its initial level. The notes may be automatically called quarterly, beginning June 4, 2026, if all three indexes are at or above their initial values, in which case investors receive $1,000 plus the coupon and no further payments.
If the notes are not called and, on the valuation date, the worst-performing index is at or above 70% of its initial level, investors receive $1,000 plus any coupon. If it is below 70%, repayment of principal is reduced one-for-one with the index loss, potentially to zero, and no coupon is paid. The price to the public is 100% of principal, with underwriting discounts of 2.35%, and the initial estimated value is expected between $900 and $950 per $1,000. The product involves complex risks and uncertain U.S. tax treatment, and all payments depend on Royal Bank of Canada’s credit.
Royal Bank of Canada is offering market-linked, principal-at-risk notes tied to the worst-performing of Amazon.com common stock and Alphabet Class A common stock, maturing on December 20, 2027. Each security has a $1,000 face amount and pays quarterly contingent coupons at a rate set on the pricing date of at least 7.75% per annum, but only if on each calculation day the lower of the two stocks is at or above 70% of its starting value. Missed coupons can be paid later if the condition is met, due to a “memory” feature.
At maturity, investors receive $1,000 per security only if the worst-performing stock is at or above 70% of its starting value; otherwise, they are exposed 1‑for‑1 to further declines below that level, with potential loss of up to 70% of principal and no upside participation in either stock. The notes pay no dividends, are unsecured obligations of Royal Bank of Canada subject to its credit risk, are not listed on an exchange, and have an initial estimated value between $901.50 and $951.50 per $1,000 security, below the original offering price.
Royal Bank of Canada is issuing $500,000 of Fixed Coupon Geared Buffer Notes linked to the common stock of NVIDIA Corporation, maturing on June 4, 2026. The notes have a minimum investment of $1,000 and pay a fixed coupon of $60.50 per $1,000 (6.05% at maturity, 12.10% per annum).
At maturity, investors receive $1,000 per $1,000 of notes plus the coupon if NVIDIA’s share price on the valuation date is at or above the buffer level of 80% of the initial value ($179.92). If NVIDIA’s price falls below the buffer value of $143.94, investors receive shares of NVIDIA equal to the physical delivery amount of 6.95 shares per $1,000, which may be worth less than principal and could be worth zero.
The notes are senior unsecured debt of Royal Bank of Canada, with an initial estimated value of $990.48 per $1,000, below the public offering price. They are not insured by U.S. or Canadian deposit insurers, involve complex U.S. tax treatment, and may trade at a substantial discount in any secondary market.
Royal Bank of Canada is offering auto-callable enhanced return dual directional barrier notes linked to the worst performer of Amazon.com and Target stock. The notes are issued in $1,000 minimum denominations and pay 100% of principal at issue, with underwriting discounts of 2.50% and an initial estimated value between $892.50 and $942.50 per $1,000, which is lower than the public offering price.
If on the call observation date in December 2026 both stocks are at or above their initial values, the notes are automatically redeemed for at least $1,300 per $1,000, ending the investment early. If not called, the December 2028 maturity payout depends on the worst-performing stock: 200% participation on gains, an "absolute return" feature if the loss is within a 40% barrier, and full downside exposure if that stock falls more than 40%, which can result in losing most or all principal. Payments depend on RBC’s credit, and the document highlights market, pricing, conflict of interest and tax risks.
Royal Bank of Canada filed a Form 6-K as a foreign private issuer for December 2025, mainly to submit its 2025 Annual Report as Exhibit 99.1. The report is signed on behalf of the bank by Chief Financial Officer Katherine Gibson and dated December 3, 2025.