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 offering Auto-Callable Contingent Coupon Barrier Notes linked to the common stock of Amazon.com, Inc. Each Note is priced at 100% of principal, with 1.50% underwriting discounts and commissions and 98.50% of proceeds to the issuer. The Notes are unsecured senior debt obligations, are not insured by any deposit insurance agency and are not bail-inable.
The Trade Date is July 29, 2026, with an Issue Date of August 3, 2026 and a scheduled Maturity Date of February 3, 2028, unless the Notes are automatically called. Investors may receive a monthly Contingent Coupon of $8.417 per $1,000 principal (0.8417% per month, 10.10% per annum) only if Amazon’s closing value on the relevant observation date is at or above a Coupon Threshold set at 63% of its Initial Underlier Value. Beginning with the sixth observation date, if Amazon closes at or above its initial level on a Call Observation Date, the Notes are automatically redeemed at $1,000 plus the applicable coupon, with no further payments.
If the Notes are not called and Amazon’s Final Underlier Value is at or above the 63% Barrier Value on the valuation date, investors receive $1,000 per Note plus any coupon due. If the Final Underlier Value is below the barrier, investors receive a fixed Physical Delivery Amount of Amazon shares, so their payoff declines in line with the stock and they could lose a substantial portion or all of principal; the illustrative table shows a 50% decline leading to a $500 payment per $1,000 and no final coupon. The initial estimated value is expected to be $920.00–$970.00 per $1,000, below the public price because of the issuer’s funding rate, fees and hedging costs, and the U.S. federal income tax treatment, including for Non-U.S. Holders, is described as uncertain.
Royal Bank of Canada is offering $1,594,000 of Auto-Callable Contingent Coupon Barrier Notes linked to the least performing of the Dow Jones Industrial Average, the Energy Select Sector SPDR ETF and the Utilities Select Sector SPDR ETF. The notes pay a contingent monthly coupon of $7.083 per $1,000 (equivalent to 8.50% per annum) only when the closing value of each underlier is at or above 70% of its initial value on the relevant observation date and the notes have not been called.
The notes can be automatically called quarterly beginning approximately one year after issuance if each underlier is at or above its initial value, in which case investors receive $1,000 per note plus the applicable coupon, with no further payments. If the notes remain outstanding to maturity and the least performing underlier is at or above 65% of its initial value, investors receive $1,000 per note (plus any coupon then due). If it is below 65%, repayment becomes $1,000 + $1,000 × the return of that underlier, so losses track the full downside of the worst underlier and principal may be lost in full.
The public offering price is 100.00% of principal, including a 3.625% underwriting discount; proceeds to Royal Bank of Canada are 96.375%. The initial estimated value is $963.05 per $1,000, below the issue price. All payments depend on Royal Bank of Canada’s credit, and these notes are not insured by Canadian or U.S. deposit insurance agencies and are not bail-inable.
Royal Bank of Canada is offering Auto-Callable Contingent Coupon Buffer Notes with Memory Coupon linked to the least performing of Apple Inc., Amazon.com, Inc. and Alphabet Inc. Class A common stock. The notes are issued in minimum $1,000 denominations at 100.00% of principal, with an underwriting discount of 0.60% and proceeds to the bank of 99.40% before hedging costs.
On each quarterly observation date, if every underlier closes at or above 75% of its initial value, investors receive a contingent coupon of $35.00 per $1,000 (3.50% per quarter, 14.00% per annum), with a memory feature that can pay previously missed coupons when conditions are later met. From the fourth observation date, if all underliers are at or above their initial values, the notes are automatically called at $1,000 plus due coupons, and then terminate.
If the notes are not called and at maturity the least performing underlier is at or above 75% of its initial value, principal is fully repaid; otherwise repayment is reduced beyond the 25% buffer, so investors can lose a substantial portion of principal. The initial estimated value is expected between $942.00 and $992.00 per $1,000, below the public offering price, reflecting dealer discounts, hedging and the issuer’s funding rate. The notes are senior unsecured obligations of Royal Bank of Canada, not insured deposits, and their U.S. tax treatment as prepaid financial contracts with associated coupons involves uncertainty.
Royal Bank of Canada is offering senior unsecured S&P 500® Index-linked notes due April 12, 2028. Each note has a $1,000 principal amount, with an initial aggregate issuance of $4,399,000. The notes pay no interest and are not listed on any exchange or insured by FDIC or CDIC.
The payoff at maturity depends on S&P 500 performance from the July 13, 2026 trade date to the April 10, 2028 determination date. Investors receive 130% of any positive index return, capped at a maximum settlement amount of $1,244.40 per $1,000 (124.440% of principal). Principal is protected only down to a buffer level of 87.50% of the initial index level of 7,515.34; below that, losses increase at about 1.1429% of principal for each 1% decline beyond the buffer, and the entire investment can be lost. The initial estimated value is $994.86 per $1,000, reflecting issuer funding and hedging costs, and secondary market liquidity may be limited. All payments are subject to Royal Bank of Canada’s credit risk.
Royal Bank of Canada is offering Auto-Callable Contingent Coupon Barrier Notes, unsecured debt linked to the least performing of the Russell 2000 Index and the EURO STOXX 50 Index. The Notes pay a contingent coupon of 2.3125% per quarter (9.25% per annum), or $23.125 per $1,000, only if on each Coupon Observation Date both indices are at or above their respective Coupon Thresholds, set at 70% of their Initial Underlier Values.
The Notes are automatically called on a quarterly Call Observation Date (starting January 25, 2027) if both indices are at or above their Initial Underlier Values, in which case holders receive $1,000 plus the applicable coupon and no further payments. If not called, at maturity on July 29, 2030 investors receive $1,000 per $1,000 principal plus any due coupon if the Least Performing Underlier is at or above its 70% Barrier Value; otherwise, repayment is $1,000 plus $1,000 × Underlier Return of the Least Performing Underlier, exposing holders to a substantial or total loss of principal.
The public offering price is 100% of principal, with an underwriting discount of 2.35% and proceeds to Royal Bank of Canada of 97.65% of principal. The initial estimated value is expected to be between $908.50 and $958.50 per $1,000, lower than the public price due to funding and hedging costs. All payments are subject to Royal Bank of Canada’s credit risk, and the U.S. federal tax treatment relies on treating the Notes as prepaid financial contracts with associated coupons, a position that carries uncertainty.
Royal Bank of Canada is issuing Geared Buffer Digital Notes, senior debt linked to an equally weighted basket of seven stocks (ADI, ASML, AVGO, KLAC, NVDA, TSM and TXN). The notes are sold at 100% of principal; placement agents receive a 1.00% ($10 per $1,000) fee, so the bank’s proceeds are 99%. The minimum investment is $10,000, and the initial estimated value is expected to be between $920.00 and $970.00 per $1,000, below the public offering price.
At maturity, for each $1,000 note, if the Final Basket Value is at or above the Buffer Value of 80 (80% of the Initial Basket Value), investors receive $1,198.50, reflecting the fixed 19.85% Digital Return, regardless of how much the basket has risen. If the Final Basket Value is below 80, the payoff becomes $1,000 + [$1,000 × (Basket Return + 20%) × 1.25], so losses beyond the 20% buffer are multiplied by the Downside Multiplier and can reach a total loss of principal.
The notes are not deposits or insured obligations and are not bail-inable. Market value may be materially below the issue price due to discounts, hedging and funding costs and may be affected by Royal Bank of Canada’s credit. RBCCM and J.P. Morgan entities act as placement agents and RBCCM is Calculation Agent, creating potential conflicts. For U.S. tax purposes, counsel believes it is reasonable to treat the notes as prepaid financial contracts that are open transactions, but this characterization is uncertain; future IRS or legislative action and the possible application of Section 871(m) to Non-U.S. Holders could affect tax outcomes.
Royal Bank of Canada is offering senior unsecured market-linked notes with a $1,000 face amount per security, auto-callable and linked to Bank of America, Lowe’s and Microsoft common stocks. The initial estimated value is expected between $901.50 and $951.50, below the offering price.
The notes pay a quarterly contingent coupon at a rate of at least 15.25% per annum only if the lowest-performing stock on each calculation day is at or above 60% of its starting value. From January 2027 to April 2029, the notes are automatically called if that stock is at or above its starting value.
If not called, investors receive $1,000 at maturity on August 2, 2029 only if the lowest-performing stock is at or above its 60% downside threshold; otherwise principal is reduced in full proportion to that stock’s loss and can fall to zero. Investors do not participate in any stock upside, face Royal Bank of Canada credit risk, limited liquidity and complex U.S. and non-U.S. tax treatment, including possible 30% withholding on coupons for some non-U.S. holders.
Royal Bank of Canada is issuing senior unsecured Trigger Autocallable GEARS linked to the common stock of Apple Inc., in $10 denominations with a minimum investment of $1,000 and a term of approximately 3 years. The notes may be automatically called on July 23, 2027 if Apple’s closing value is at or above the Initial Underlying Value, in which case investors receive $10 plus a fixed Call Return of 13.80% and no further payments.
If not called and the Underlying Return is positive, the maturity payment equals $10 plus Upside Gearing of 1.3–1.5 times the Underlying Return. If the Underlying Return is zero or negative but the Final Underlying Value is at or above the Downside Threshold of 75% of the Initial Underlying Value, principal is repaid. If the Final Underlying Value is below the Downside Threshold, repayment is reduced one-for-one with the negative Underlying Return, up to a total loss of principal. The Securities pay no coupons or dividends, and all payments depend on Royal Bank of Canada’s credit. The initial estimated value is expected to be $9.24–$9.74 per $10 note, reflecting a $0.25 per Security selling commission and issuer funding and hedging costs.
Royal Bank of Canada is issuing Fixed Coupon Geared Buffer Notes linked to the least performing of the Russell 2000 Index and the S&P 500 Index. The notes pay a fixed coupon of $6.417 per $1,000 of principal each month, equal to 0.6417% monthly or 7.70% per annum, from August 2026 through January 2028.
At maturity on January 20, 2028, investors receive $1,000 per note plus the final coupon if the worst‑performing index is at or above 80% of its initial level. If it is below this 20% buffer, the payment is calculated as $1,000 + [$1,000 × (index return + 20%) × 1.25], so declines beyond the buffer are magnified and up to all principal can be lost.
The minimum investment is $1,000. Initial index levels are 2,953.166 for the Russell 2000 and 7,515.34 for the S&P 500, with buffer values of 2,362.533 and 6,012.27 respectively. The initial estimated value is expected between $942.00 and $992.00 per $1,000, and all payments depend on Royal Bank of Canada’s credit.
Royal Bank of Canada is issuing $750,000 of Auto-Callable Contingent Coupon Barrier Notes linked to the least performing of the VanEck Semiconductor ETF (SMH) and the SPDR S&P Oil & Gas Exploration & Production ETF (XOP), maturing July 12, 2029.
The notes pay a contingent coupon of $40.00 per $1,000 (16.00% per annum) on quarterly dates only if each ETF closes at or above 50% of its initial value; missed coupons are not made up. The notes are automatically called, returning $1,000 plus that quarter’s coupon, if on any call observation date both underliers are at or above their initial values.
If the notes are not called, principal is fully repaid at maturity only if the least performing ETF is at or above its 50% barrier; otherwise repayment is reduced in proportion to that ETF’s loss, potentially to $0. The initial estimated value is $984.82 per $1,000, below the public offering price, and all payments depend on Royal Bank of Canada’s credit.