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Royal Bank of Canada is offering Enhanced Return Buffer Notes linked to the S&P 500® Futures Excess Return Index, maturing on January 19, 2029. The Notes are unsecured senior debt of the bank and are not insured by any deposit insurance agency or subject to Canadian bail-in conversion.
Each $1,000 Note is sold at 100% of principal, with a 0.75% underwriting discount, so proceeds to the bank are 99.25% of the principal amount. If the index rises, investors receive $1,000 plus 134.15% of the index gain. If the index falls but stays within a 20% buffer, investors receive back $1,000. If the index falls more than 20%, principal is reduced, and investors can lose a substantial portion of their investment.
The initial estimated value is expected to be between $932 and $982 per $1,000, below the public offering price, reflecting internal funding rates, hedging costs, and dealer compensation. The Notes involve complex risks, including market risk from the futures-based index, valuation uncertainty, conflicts of interest, and uncertain U.S. tax treatment.
Royal Bank of Canada is offering senior Redeemable Fixed Rate Notes due January 20, 2033, as part of its global medium-term note program. The Notes pay a fixed interest rate of 4.50% per annum, with interest paid semiannually on January 20 and July 20 of each year, starting July 20, 2026. The Notes may be redeemed at the bank’s option, in whole but not in part, on the January 20, 2028 interest payment date and on each interest payment date thereafter, with investors receiving principal plus the applicable interest payment on any call date.
RBC Capital Markets, LLC will act as underwriter and will purchase the Notes at prices between $982.50 and $1,000.00 per $1,000 principal amount, reflecting underwriting discounts and selling concessions. The Notes are designated as bail-inable under Canadian law, meaning they can be converted into common shares of the bank or its affiliates and potentially extinguished if Canadian bail-in powers are exercised, and holders agree to be bound by these terms upon purchase.
Royal Bank of Canada is offering $300,000 of Auto-Callable Contingent Coupon Barrier Notes linked to the Bloomberg US Large Cap VolMax Index, maturing in January 2031. The notes pay a contingent monthly coupon of $12.292 per $1,000 (about 14.75% per year) only if the index is at or above a coupon threshold set at 60% of the initial value of 16,293.88, or 9,776.33.
The notes can be automatically called quarterly if the index is at or above its initial value, in which case investors receive $1,000 plus the applicable coupon and no further payments. If the notes are not called and, at maturity, the index is at or above the 60% barrier, investors receive full principal back plus any due coupon; if it is below the barrier, repayment of principal is reduced one-for-one with the index loss, down to zero. The initial estimated value is $939.16 per $1,000, below the public price, and investors are exposed to RBC’s credit risk and the complex, leveraged, fee‑laden index design.
Royal Bank of Canada is offering Auto-Callable Contingent Coupon Barrier Notes with Memory Coupon linked to the common stock of Constellation Energy Corporation. The Notes have a minimum investment of $10,000, a Trade Date of January 6, 2026 and mature on January 22, 2027, unless automatically called earlier.
Investors pay 100% of principal, with 1.00% in underwriting discounts and 99.00% of proceeds to Royal Bank of Canada. If payable, the contingent coupon is $42.15 per $1,000 principal on quarterly dates, but only when the Underlier’s closing value is at or above a coupon threshold set at 60% of the Initial Underlier Value. Missed coupons may be “remembered” and paid later if conditions are met.
If the Notes are not called and the Final Underlier Value is at or above the 60% barrier, investors receive $1,000 per Note plus any due coupons. If it is below the barrier, repayment is reduced in line with the Underlier’s loss, and investors can lose a substantial portion or all of their principal. The initial estimated value is expected to be between $930 and $980 per $1,000, below the public offering price.
Royal Bank of Canada is offering senior unsecured Autocallable Strategic Accelerated Redemption Securities® linked to an equally weighted basket of three financial sector stocks: Goldman Sachs, JPMorgan Chase and Morgan Stanley. Each note has a $10 principal amount and can be automatically called on annual Observation Dates in 2027, 2028 or 2029 if the basket is at or above its Starting Value of 100.00, paying $10 plus a fixed Call Premium.
If the notes are not called and the Ending Value is below the Threshold Value, set at 100% of the Starting Value, investors lose principal on a 1-for-1 basis. The notes pay no interest, do not provide dividends, are not insured, and all payments are subject to RBC’s credit risk. The public offering price of $10.00 per unit includes a $0.20 underwriting discount and a $0.05 hedging-related charge, so the initial estimated value is expected to be between $9.00 and $9.50 per unit.
Royal Bank of Canada is issuing $953,000 of senior unsecured notes linked to an equally weighted basket of ten large‑cap U.S. stocks, maturing on January 6, 2031. The basket includes shares of AIG, CME Group, Duke Energy, FirstEnergy, Kraft Heinz, Kimberly‑Clark, Coca‑Cola, Philip Morris International, Prudential Financial and Verizon.
The notes offer 100% participation in any positive basket performance, so if the basket is above its initial level at maturity, holders receive $1,000 plus the full basket return per $1,000 of principal. If the basket is flat or down, investors receive only the $1,000 principal at maturity, providing downside protection but no interest payments.
The public offering price is 100% of principal, with underwriting discounts and commissions of 3.20%, resulting in proceeds to Royal Bank of Canada of 96.80%. The bank’s initial estimated value is $944.32 per $1,000, reflecting structuring, distribution and hedging costs, and all payments are subject to Royal Bank of Canada’s credit risk.
Royal Bank of Canada is offering auto-callable contingent coupon barrier notes linked to the performance of the least performing of the Nasdaq-100 Index, the Russell 2000 Index and the S&P 500 Index, maturing on July 20, 2028. The notes pay a contingent coupon of $6.75 per $1,000 principal amount (0.675% per month, 8.10% per annum) on scheduled monthly dates, but only if on the prior observation date each index is at or above 75% of its initial value; otherwise no coupon is paid for that period.
The notes can be automatically called quarterly, beginning about six months after issuance, if on a call observation date each index is at or above its initial value. In that case, investors receive $1,000 per note plus the applicable contingent coupon, and no further payments are made.
If the notes are not called, repayment at maturity depends on the worst-performing index. Investors receive full principal back if the final value of the least performing index is at or above 55% of its initial value (and a final coupon if the 75% threshold is met). If the least performing index finishes below 55% of its initial value, principal is reduced in line with that index’s loss, up to a complete loss of the investment.
The notes are unsecured senior debt obligations of Royal Bank of Canada, are not insured, and all payments depend on the bank’s credit. The initial estimated value is expected to be between $930 and $980 per $1,000, below the public offering price due to underwriting discounts, referral fees, hedging costs and the bank’s lower internal funding rate. U.S. tax counsel views the notes as prepaid financial contracts with associated coupons, but this treatment is uncertain, and non-U.S. investors may face 30% withholding on coupons.
Royal Bank of Canada is offering auto-callable contingent coupon barrier notes linked to the Nasdaq-100, Russell 2000 and S&P 500 indexes, scheduled to mature on January 21, 2028. Investors may receive a quarterly contingent coupon of $25.25 per $1,000 in principal (10.10% per annum) if, on the relevant observation date, each index is at or above 70% of its initial level.
The notes are automatically called, returning $1,000 per note plus the coupon, if on any call observation date each index is at or above its initial level. If the notes are not called and the worst-performing index finishes below 70% of its initial level at maturity, repayment of principal is reduced one-for-one with the index loss, and investors can lose most or all of their investment. The initial estimated value is expected to be $935–$985 per $1,000, less than the public offering price.
Royal Bank of Canada is offering $1,185,000 of Auto-Callable Contingent Coupon Barrier Notes with a memory coupon linked to the common stock of NVIDIA Corporation. The notes are issued at 100% of principal, with underwriting discounts of 1.00%, resulting in proceeds to the bank of $1,173,150, and an initial estimated value of $982.96 per $1,000, which is below the public offering price.
The notes pay a contingent quarterly coupon of $32.50 per $1,000 only if NVIDIA’s share price is at or above a coupon threshold of $103.32, equal to 55.40% of the initial underlier value of $186.50. The notes can be automatically called each quarter if the stock closes at or above the initial value, in which case investors receive $1,000 plus due coupons and no further payments.
If the notes are not called and the final stock value is at or above the barrier, investors receive full principal back plus any due coupon; if it falls below the barrier, repayment is reduced one-for-one with the stock decline, and investors can lose a substantial portion or all of their principal. All payments are subject to Royal Bank of Canada’s credit risk, and the tax treatment, especially for Non-U.S. holders, can be complex.
Royal Bank of Canada is offering senior unsecured structured notes called Autocallable Strategic Accelerated Redemption Securities, linked to one or more underlying stocks or ADRs. These notes do not pay interest and do not guarantee a return of principal. Each unit typically has a $10 principal amount and can be automatically called on set observation dates if the underlying reaches or exceeds a preset call level, paying back principal plus a fixed call premium.
If the notes are not called, the amount repaid at maturity depends on the underlying’s performance versus a threshold value. If the ending value is below this threshold, investors are exposed to one‑for‑one downside and can lose a significant portion or all of their investment. Payments depend on RBC’s credit and the notes are expected not to be listed on an exchange, so liquidity may be limited.
The product includes complex features such as baskets of stocks, anti‑dilution and market disruption adjustments, and detailed U.S. and Canadian tax considerations, including potential application of Section 871(m) to non‑U.S. holders. Investors do not receive dividends or voting rights in any underlying company and are encouraged to consult legal, tax and financial advisers before investing.