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Royal Bank of Canada is issuing senior unsecured Buffer Autocallable GEARS linked to an unequally weighted basket of five equity indices (EURO STOXX 50® 40%, Nikkei 225 25%, FTSE® 100 17.5%, Swiss Market Index 10%, S&P/ASX 200 7.5%) maturing on or about July 31, 2029.
Each Security has a principal amount of $10. If on the August 4, 2027 Call Observation Date the Basket Value is at or above the Initial Basket Value (100), the notes are automatically called and pay $11.20 per Security (principal plus a 12.00% Call Return), with no further upside.
If not called, and the Basket Return at maturity is positive, the payment equals $10 plus Upside Gearing (between 1.55 and 1.75, set on the Trade Date) times the Basket Return. If the Basket Return is zero or negative but the Final Basket Value is at or above the Downside Threshold of 90.00 (a 10% Buffer), principal is repaid. If the Final Basket Value falls below 90.00, investors lose 1% of principal for each 1% decline beyond the 10% Buffer, up to a 90% loss of principal.
The notes pay no interest or dividends and all payments depend on RBC’s credit. UBS receives a $0.25 per Security selling concession, and the initial estimated value is expected between $9.18 and $9.68, below the $10 public price, reflecting fees, hedging costs and RBC’s internal funding rate. U.S. tax counsel expects to treat the notes as prepaid financial contracts, though that treatment is uncertain.
Royal Bank of Canada is issuing redeemable fixed rate senior notes under its Global Medium-Term Notes, Series J program. The notes pay a fixed interest rate of 4.76% per annum, with semiannual interest payments on January 23 and July 23 of each year, beginning January 23, 2027 and ending on July 23, 2029, the scheduled maturity date.
The notes are callable at the issuer’s option, in whole but not in part, on the interest payment dates falling on July 23, 2028 and January 23, 2029, upon 10 business days’ prior written notice; if redeemed, investors receive principal plus the applicable interest payment on the call date. They are issued in minimum denominations of $1,000, are subject to Canadian bail-in powers (and can be converted into common shares under the CDIC Act in a bail-in), and all payments are subject to Royal Bank of Canada’s credit risk. RBC Capital Markets, LLC acts as underwriter and may purchase the notes at between $990.00 and $1,000.00 per $1,000 principal amount, with an underwriting discount of up to $10.00 per $1,000.
Royal Bank of Canada is issuing two Fixed Coupon Barrier Notes with an aggregate principal amount of $1,551,000, each linked separately to the common stock of Moderna, Inc. (MRNA) and the Class A common stock of Vertiv Holdings Co (VRT) and paying fixed monthly coupons.
The MRNA-linked notes have a 18.00% annual coupon, $68.28 initial underlier value and a 50% barrier at $34.14, with $447,000 principal. The VRT-linked notes have a 16.00% annual coupon, $304.57 initial underlier value and a 50% barrier at $152.29, with $1,104,000 principal.
At maturity on July 20, 2027, investors receive par plus the final coupon if the final underlier value is at or above the barrier; otherwise repayment is reduced one-for-one with the underlier loss, so investors may lose a substantial portion or all of principal. The initial estimated values of the notes, $965.11 and $964.14 per $1,000, are below the public offering price.
Royal Bank of Canada is offering Auto-Callable Contingent Coupon Barrier Notes linked to the worst-performing of American Airlines Group Inc. common stock and Alphabet Inc. Class C stock. The notes are issued at 100% of principal, with underwriting discounts of 1.50% and proceeds to RBC of 98.50% of principal.
The notes pay a monthly contingent coupon of $15.208 per $1,000 (1.5208% per month, 18.25% per year) only if on each observation date both underliers are at or above a coupon threshold set at 50% of their initial values. Starting about six months after issuance, the notes are automatically called if both underliers are at or above their initial values, returning $1,000 plus the applicable coupon.
If not called, at maturity in July 2029 investors receive $1,000 per note plus any due coupon if the final value of the least performing underlier is at or above its 50% barrier. If that underlier finishes below its barrier, repayment is reduced one-for-one with its loss, potentially to zero. The initial estimated value is expected between $902.10 and $952.10 per $1,000, lower than the public offering price, and all payments are subject to RBC’s credit risk and complex U.S. tax treatment.
Royal Bank of Canada is issuing $640,000 of Senior Global Medium-Term Notes, Series J, structured as market-linked, auto-callable securities tied to the EURO STOXX 50® Index, with a face amount of $1,000 per security and stated maturity on July 19, 2030. The notes can be automatically called on July 20, 2027 if the index is at or above its starting value of 6,265.58, in which case investors receive principal plus a 15.75% call premium.
If not called, the maturity payment depends on index performance: investors receive leveraged upside at a 150% upside participation rate when the ending index value exceeds the starting value; full principal back if the ending value is between the starting value and the 75% threshold value of 4,699.185; and full downside exposure below the threshold, with potential loss of more than 25% and up to all principal. The securities pay no interest, are unsecured obligations subject to Royal Bank of Canada’s credit risk, and have an initial estimated value of $968.81 per $1,000 security, below the original offering price due to agent discounts, funding rates and hedging costs.
Royal Bank of Canada is offering $4,305,000 of Fixed Coupon Barrier Notes linked to the American depositary shares of Taiwan Semiconductor Manufacturing Company Limited (TSM), maturing July 20, 2027. The notes are issued at 100% of principal, with a 1.00% underwriting discount and 99.00% of proceeds to the bank.
Investors receive a fixed coupon of $58.917 per $5,000 each month (1.1783% per month, 14.14% per annum), regardless of Underlier performance, subject to issuer credit. At maturity, if the final TSM price is at or above the Barrier Value of $251.69 (60% of the $419.48 Initial Underlier Value), investors are repaid the full $5,000 principal per note plus the final coupon. If the final price is below the barrier, repayment is in TSM shares, delivering 11.9195 ADS per $5,000, so investors bear any downside below the barrier and may lose a substantial portion or all of principal.
The initial estimated value is $5,021.52 per $5,000, above par, but secondary market values may be lower and are influenced by market conditions, the issuer’s creditworthiness and hedging costs. The notes are unsecured, unsubordinated RBC obligations, not deposit-insured or bail-inable, and involve complex U.S. tax treatment, including characterization as a put option and deposit and potential withholding considerations for Non-U.S. holders.
Royal Bank of Canada is issuing Auto-Callable Fixed Coupon Barrier Notes, senior unsecured debt linked to the common stock of Snowflake Inc. The notes are offered at 100.00% of principal, for total proceeds of $656,000, with underwriting discounts and commissions of 2.50% (or $16,400), resulting in $639,600 to the issuer before other costs. The initial estimated value is $964.78 per $1,000, below the public offering price.
Each $1,000 note pays a fixed coupon of $32.50 per quarter (13.00% per annum) so long as it has not been automatically called. The notes are auto-callable quarterly starting about six months after the July 15, 2026 trade date if Snowflake’s closing price is at or above the Initial Underlier Value of $271.87; if called, investors receive $1,000 plus the coupon due and no further payments.
If not called, at maturity on July 19, 2029 investors receive $1,000 per note plus the final coupon if the Final Underlier Value is at or above the Barrier Value of $135.94 (50% of the initial level). If the final value is below the barrier, repayment of principal is reduced one-for-one with the underlier loss, so investors can lose a substantial portion or all of principal. All payments depend on Royal Bank of Canada’s creditworthiness. The tax discussion highlights substantial uncertainty, including treatment as a put option and deposit and potential U.S. withholding for non-U.S. holders.
Royal Bank of Canada is issuing Auto-Callable Contingent Coupon Buffer Notes with Memory Coupon linked to the worst-performing of Apple, Amazon and Alphabet Class A common stock. The notes are part of its senior unsecured debt and are not insured by any deposit insurer.
The notes have a minimum investment of $1,000, pay a contingent coupon of $35 per $1,000 (3.50% per quarter, 14.00% per annum) only if on a quarterly observation date each underlier is at or above 75% of its initial value, and missed coupons may be paid later via a memory feature. Beginning about one year after issuance, the notes are auto-callable quarterly if all underliers are at or above their initial values, returning principal plus due coupons.
If not called, at maturity investors receive full principal back only if the least performing underlier is at or above its 75% buffer level. Below that, principal is reduced one-for-one with losses beyond the 25% buffer, so investors can lose a substantial portion of principal. The initial estimated value is $1,002.94 per $1,000, and all payments depend on Royal Bank of Canada’s credit.
Royal Bank of Canada is issuing market-linked, auto-callable notes due July 19, 2029 with a $1,000 face amount per security, linked to the lowest performing of Apple, Goldman Sachs and Eli Lilly common stocks. The original offering price is $1,000 per security, with an initial estimated value of $974.41, reflecting agent discounts and hedging costs.
The notes pay a contingent coupon of 18.15% per annum, quarterly, only if on each calculation day the lowest performing stock is at or above its coupon threshold (70% of its starting value). They may be automatically called from January 2027 to April 2029 if that stock is at or above its starting value. At maturity, if not called and the lowest performer is below its downside threshold (60% of starting value), investors are fully exposed to downside and can lose more than 40% and up to all principal. The notes are senior unsecured obligations of RBC, not insured or bail-inable, and all payments depend on RBC’s credit.
Royal Bank of Canada is issuing $4,472,000 of Senior Global Medium‑Term Notes, Series J, structured as market-linked, auto-callable securities tied to the lowest performing of Alphabet Class A, JPMorgan Chase, and NVIDIA common stock, maturing July 20, 2028.
Each security has a $1,000 face amount and pays a 12.40% per annum contingent coupon quarterly if the lowest-performing stock on the relevant calculation day is at or above its coupon threshold (50% of its starting value), with a memory feature for previously missed coupons. The notes may be automatically called quarterly from October 2026 through April 2028 if the lowest-performing stock is at or above its starting value, returning face amount plus applicable coupons.
If not called, at maturity investors receive $1,000 per security if the lowest-performing stock is at or above its downside threshold (50% of starting value); otherwise, principal is reduced in proportion to that stock’s decline, with potential loss of most or all of principal. The initial estimated value is $972.59 per security, below the $1,000 offering price, and the unsecured notes are subject to Royal Bank of Canada’s credit risk and limited secondary liquidity.