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Royal Bank of Canada is offering redeemable fixed rate notes with an aggregate price to the public of $1,975,000. The Notes pay a fixed interest rate of 4.30% per annum, with interest paid semiannually on May 26 and November 26 of each year, beginning May 26, 2026, and maturing on November 26, 2030 unless redeemed earlier.
The Notes are callable at the bank’s option, in whole but not in part, on the interest payment date scheduled for May 26, 2027 and on each interest payment date thereafter, at par plus the applicable interest payment. They are issued in minimum denominations of $1,000, are subject to Royal Bank of Canada’s credit risk, and 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.
Royal Bank of Canada is issuing Redeemable Fixed Rate Notes with a total public offering price of $1,992,000. The notes pay 4.50% per annum, with interest paid semiannually each May 26 and November 26, beginning May 26, 2026.
The notes are scheduled to mature on November 26, 2032, but Royal Bank of Canada may redeem them early, in whole but not in part, on the November 26, 2027 interest payment date and on any later interest payment date, upon 10 business days’ prior notice. If redeemed or held to maturity, investors receive the principal amount plus the applicable interest payment, subject to the bank’s credit risk.
The minimum investment is $1,000. Proceeds to Royal Bank of Canada are 99.29% of the principal amount, or $1,977,856.80, after underwriting discounts. The notes are designated as bail-inable under Canadian law, meaning they may be converted into common shares of Royal Bank of Canada (or an affiliate) in a bail-in conversion, at which point investors would lose their rights as noteholders and instead hold equity under the Canadian bail-in regime.
Royal Bank of Canada is offering Auto-Callable Contingent Coupon Barrier Notes linked to the S&P 500® Index, maturing on December 1, 2026. The Notes pay a quarterly contingent coupon of $20.625 per $1,000 (about 8.25% per annum) only if, on the relevant observation date, the index is at or above a coupon threshold set at 90% of the initial index level, which is also the principal protection barrier.
The Notes can be automatically called on quarterly call observation dates starting May 26, 2026 if the index is at or above its initial level, in which case holders receive $1,000 plus the contingent coupon and no further payments. If the Notes are not called and the final index level is below the 90% barrier, repayment of principal is reduced one-for-one with the index loss, up to a complete loss of the $1,000 principal. Hypothetical examples show that a 50% index decline would result in a $500 payment per $1,000 note and no final coupon.
The price to the public is 100.00% of principal, with underwriting discounts of 1.75% and proceeds to Royal Bank of Canada of 98.25%. The bank’s initial estimated value is expected to be between $923.00 and $973.00 per $1,000, reflecting hedging and distribution costs, and the Notes are subject to the issuer’s credit risk and complex U.S. federal tax treatment.
Royal Bank of Canada is issuing $4,775,000 of Airbag Autocallable Yield Notes linked to the common stock of UnitedHealth Group Incorporated (UNH), due November 27, 2026. The notes pay a fixed monthly coupon at an annual rate of 11.25% regardless of stock performance.
The notes may be called quarterly if UNH’s closing price is at or above the Initial Underlying Value of $311.54, in which case investors receive $1,000 per note plus the coupon and the product terminates. If not called and the final price is at or above the Conversion Price of $264.81 (85% of the initial value), investors receive full principal in cash plus the last coupon. If the final price is below the Conversion Price, investors receive the coupon and about 3.7763 UNH shares per note, which may be worth substantially less than $1,000 and could be worth zero. The notes are senior unsecured RBC debt, not listed on any exchange, carry full downside market risk to UNH below the Conversion Price, and are subject to RBC’s credit risk.
Royal Bank of Canada is offering auto-callable contingent coupon barrier notes linked to the VanEck Semiconductor ETF (SMH) and the SPDR S&P Oil & Gas Exploration & Production ETF (XOP). The notes are issued at 100% of principal with 1.00% underwriting discounts, providing 99.00% of proceeds to the bank.
Investors may receive a quarterly contingent coupon of $44.25 per $1,000 (4.425% per quarter, 17.70% per year) only if the closing value of each ETF on the relevant observation date is at or above 70% of its initial value. The notes are automatically called if, on any call observation date, both ETFs are at or above their initial values, returning principal plus the coupon, with no further payments.
If the notes are not called and the worst-performing ETF finishes below its 70% barrier, repayment of principal is reduced one-for-one with the ETF’s loss, so investors can lose a substantial portion or all of their investment. The initial estimated value is expected to be $890–$940 per $1,000, below the public offering price, and all payments are subject to Royal Bank of Canada’s credit risk and complex U.S. tax treatment.
Royal Bank of Canada is issuing $1,115,000 of Airbag In-Digital Securities linked to the S&P 500® Index, maturing on May 26, 2027. Each Security has a $10 principal amount and offers a 14.00% Digital Return at maturity if the Final Underlying Value is at or above the Digital Barrier/Downside Threshold of 5,942.69, which is 90% of the Initial Underlying Value of 6,602.99. Below that threshold, repayment is reduced using a downside gearing of approximately 1.11111, so losses increase about 1.11111% for each 1% S&P 500 decline beyond the 10% Threshold Percentage, potentially up to a total loss of principal. The Securities pay no interest or dividends, are senior unsecured RBC debt, will not be listed on any exchange, and have an initial estimated value of $9.93 per $10 Security, reflecting structuring and hedging costs.
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. The notes are issued at 100% of principal for a total offering size of $3,436,000, with proceeds to the bank of 99.993% after fees.
The notes pay a contingent coupon of $25 per $1,000 each quarter (10.00% per annum) only if, on the relevant observation date, each index is at or above 70% of its initial value. The notes can be automatically called quarterly if all indices are at or above their initial values, returning principal plus that period’s coupon.
If not called, investors receive at maturity either full principal (and possibly the final coupon) if the worst index stays at or above 60% of its initial value, or a reduced amount based on the negative return of the worst index if it falls below this barrier, potentially resulting in a total loss of principal. The initial estimated value is $980.70 per $1,000, below the public offering price.
Royal Bank of Canada is offering $1,000,000 of Redeemable Fixed Rate Notes due November 26, 2055. The Notes pay a fixed interest rate of 5.25% per annum, with interest paid annually starting November 26, 2026. The minimum investment is $1,000, in denominations of $1,000.
The Notes are senior bail-inable debt of Royal Bank of Canada, meaning they may be converted into common shares or written off under Canadian bail-in powers. They are callable at the bank’s option, in whole but not in part, on November 26, 2030 and on each annual interest payment date thereafter, with 10 business days’ prior notice. On redemption or at maturity, investors receive principal plus the applicable interest payment, subject to the bank’s credit risk.
The price to the public is 100.00% of principal, with underwriting discounts and commissions of 2.00%, resulting in proceeds of $980,000 to Royal Bank of Canada. The Notes are not insured by Canadian or U.S. deposit insurance agencies, and the materials emphasize various investment, market, structural and bail-in related risks.
Royal Bank of Canada is offering $3,411,000 of Redeemable Fixed Rate Notes paying a fixed 5.00% per annum, with a price to the public of 100.00% and proceeds to the bank of 98.89% of principal. The minimum investment is $1,000, in increments of $1,000.
The Notes pay interest annually each November 25 from 2026 to the scheduled maturity on November 25, 2037, unless redeemed earlier. Royal Bank of Canada may redeem the Notes, in whole but not in part, on the November 25, 2027 interest date and on any interest date thereafter, paying principal plus the applicable interest payment. The Notes are unsecured senior debt subject to Canadian bail-in powers, meaning they can be converted into common shares or written down by regulators in a resolution scenario, and they are not insured by Canadian or U.S. deposit insurers.
Royal Bank of Canada is offering senior unsecured notes whose payoff is linked to a weighted basket of five major non-U.S. equity indices: EURO STOXX 50® (38%), TOPIX® (26%), FTSE® 100 (17%), Swiss Market Index (11%) and S&P®/ASX 200 (8%). The notes pay no interest and are not listed or redeemable prior to maturity.
At maturity, for each $1,000 note you receive cash based on the basket return. If the final basket level is at or above the initial level, you receive the greater of a threshold settlement amount, expected between $1,179.30 and $1,210.90, or $1,000 plus the basket gain. If the final basket level is below the initial but at or above a 90% buffer level, you receive $1,000. Below the buffer, losses accelerate at about 1.1111% for each 1% basket loss beyond the 10% buffer, and you could lose your entire principal.
The initial estimated value is expected between $961.70 and $991.70 per $1,000, reflecting hedging costs and issuer profit, and the notes are subject to Royal Bank of Canada’s credit risk and limited secondary market liquidity.