Welcome to our dedicated page for ROYAL BANK OF CANADA SEC filings (Ticker: RY), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Royal Bank of Canada filings document the bank's foreign private issuer disclosures, including Form 6-K reports furnished under Exchange Act Rule 13a-16 and Form 40-F annual reporting. Recent materials include annual report exhibits, interim financial information, proxy circulars, annual meeting notices, director elections, auditor appointment matters, executive compensation votes, shareholder proposals, and voting results.
The filing record also covers capital markets activity under the bank's Form F-3 shelf registration statement, including senior global medium-term notes, limited recourse capital notes, NVCC subordinated indebtedness, preferred shares, underwriting agreements, supplemental indentures, and legal and tax opinions. Other 6-K exhibits document share-related communications such as the bank's response to an unsolicited mini-tender offer for common shares.
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.
Royal Bank of Canada is issuing $320,000 of Auto-Callable Contingent Coupon Barrier Notes linked to the least performing of the Russell 2000, S&P 500 and EURO STOXX 50 indices, maturing on July 18, 2030. The notes are senior unsecured debt of Royal Bank of Canada.
Investors receive a quarterly contingent coupon of 2.1875% ($21.875 per $1,000, or 8.75% per annum) only if on the relevant observation date each index is at or above its coupon threshold, set at 70% of its initial value. The notes are auto-callable quarterly beginning July 15, 2027 if each index is at or above its initial value, in which case investors receive $1,000 plus the coupon and no further payments.
If not called, at maturity investors receive $1,000 per $1,000 principal amount if the final value of the least performing index is at or above its barrier (70% of its initial value), plus any due coupon. If the least performing index is below its barrier, repayment is reduced one-for-one with the index loss, and investors can lose up to all principal. The initial estimated value is $951.34 per $1,000, below the public issue price, reflecting dealer compensation and hedging costs, and the product carries complex U.S. tax treatment as a prepaid financial contract.
Royal Bank of Canada is issuing three separate Auto-Callable Contingent Coupon Barrier Notes with Memory Coupon, each linked to a different equity underlier: CrowdStrike Holdings Class A, Alphabet Class A and Workday Class A. Principal amounts are $1,753,000 (CRWD), $1,361,000 (GOOGL) and $1,596,000 (WDAY).
The CRWD and WDAY notes offer a 15.60%15.50% per annum contingent coupon, and the GOOGL note offers 10.25% per annum, payable quarterly if the underlier closes at or above its Coupon Threshold on the observation date, with missed coupons potentially paid later under a memory feature. Notes are auto-callable quarterly from January 15, 2027 if the underlier is at or above its initial value.
If not called, at maturity in July 2029 investors receive full principal only if the final underlier value is at or above the Barrier Value (50% of initial for CRWD and WDAY; 70% for GOOGL). If the final value is below the barrier, repayment is reduced one-for-one with the underlier loss, and investors can lose a substantial portion or all of principal. All payments depend on Royal Bank of Canada’s credit.
Royal Bank of Canada is issuing four Auto-Callable Contingent Coupon Barrier Notes with Memory Coupon, each linked to a single U.S. stock: Amazon.com (AMZN), Apollo Global Management (APO), Best Buy (BBY) and Boston Scientific (BSX). Total principal across the four tranches is $4,324,000, with individual principal amounts of $2,082,000 (AMZN), $600,000 (APO), $208,000 (BBY) and $1,434,000 (BSX).
The notes pay quarterly contingent coupons if the underlier’s closing value is at or above its coupon threshold, with annualized rates of 10.75% (AMZN), 11.25% (APO), 10.00% (BBY) and 10.50% (BSX). Each note is auto-callable if on a call observation date the underlier closes at or above its initial value, in which case investors receive principal plus the due and unpaid coupons and no further payments.
If not called, at maturity in July 2029 investors receive par only if the final underlier value is at or above its barrier value (70% of initial for AMZN, 60% for APO, 50% for BBY, 55% for BSX). If the final value is below the barrier, repayment is reduced one-for-one with the underlier loss, and investors can lose a substantial portion or all of principal. Initial estimated values per $1,000 ($965.90–$974.09) are below the public offering price, and all payments depend on Royal Bank of Canada’s credit.
Royal Bank of Canada is issuing $385,000 of Auto-Callable Contingent Coupon Barrier Notes with Memory Coupon linked to the least performing of Alphabet Class C, JPMorgan Chase and Microsoft common stock, under its senior global medium-term note program.
The notes pay a contingent coupon of $12.50 per $1,000 (1.25% per month, 15.00% per annum) only if on a coupon observation date each underlier is at or above its coupon threshold, set at 70% of its initial value. The notes are automatically callable monthly beginning January 15, 2027 if each underlier is at or above its initial value, in which case investors receive $1,000 plus due and unpaid contingent coupons.
If not called, at maturity on July 19, 2029 investors receive $1,000 per note if the least performing underlier finishes at or above its barrier value of 60% of its initial level, plus any due coupons. If the least performing underlier is below its barrier, repayment is reduced one-for-one with its decline, so investors can lose a substantial portion or all of principal. The price to the public is 100.00% of principal, with a 3.00% underwriting discount and an initial estimated value of $960.73 per $1,000, reflecting structuring and hedging costs.
Royal Bank of Canada is issuing $11,125,000 of Fixed Coupon Geared Buffer Notes linked to the least performing of the Russell 2000 Index and the S&P 500 Index, priced at 100% of principal, with all proceeds to the bank and no underwriting commissions to RBC Capital Markets, LLC.
The notes pay a fixed coupon of $6.417 per $1,000 each month, corresponding to 7.70% per annum, from August 2026 until maturity on January 20, 2028. The initial estimated value is $996.33 per $1,000, below the public offering price, reflecting funding and hedging costs.
At maturity, investors receive full principal only if the Final Value of the Least Performing Underlier is at or above 80% of its Initial Value (the 20% Buffer Percentage). If it falls below this level, principal is reduced using a 1.25 Downside Multiplier, as illustrated by a -50% underlier return yielding $625 per $1,000, plus any final coupon. Investors may lose some or all principal and are exposed to Royal Bank of Canada’s credit risk and complex U.S. tax treatment.
Royal Bank of Canada is offering auto-callable contingent coupon barrier notes linked to the Class A common stock of Meta Platforms, Inc. The notes are priced at 100% of principal, with a 1.75% underwriting discount, so Royal Bank of Canada receives 98.25% of the principal amount.
The notes pay a contingent coupon of at least $28.50 per $1,000 each quarter (at least 2.85% per quarter, 11.40% per year) only when Meta’s closing price is at or above 50% of its initial level. On quarterly observation dates, if Meta closes at or above its initial level, the notes are automatically called and pay $1,000 plus the coupon. If not called and Meta’s final level is at or above the 50% barrier, investors receive $1,000 plus any due coupon; if it is below the barrier, investors receive Meta shares worth less than principal, with losses mirroring the decline and potentially reaching 100%. The initial estimated value is expected between $925 and $975 per $1,000, below the public price, reflecting dealer compensation, funding and hedging costs, and all payments depend on Royal Bank of Canada’s credit.