As 2025 comes to an end, the survival scale of bank financial management has exceeded 35 trillion yuan, becoming the main source of capital in the investment market. Compared to scale, the yield of bank wealth management in 2025 received more attention from the market. In particular, the bond market bid farewell to the “one-sided bull market” of the past few years, while equity investment returns fluctuated greatly. Under such circumstances, bank wealth management products will further test the ability of institutions to invest, and the differentiation in product returns will also be more obvious. According to the reporter's understanding, out of the 17,800 bank wealth management products currently on the market, most products have a yield of less than 10%. There are more than 80 banks with a yield of 10% or more, and 6 of these products have an annualized yield of more than 40%. Only 6 bank wealth management products have negative annualized returns.

As 2025 comes to an end, the survival scale of bank financial management has exceeded 35 trillion yuan, becoming the main source of capital in the investment market. Compared to scale, the yield of bank wealth management in 2025 received more attention from the market. In particular, the bond market bid farewell to the “one-sided bull market” of the past few years, while equity investment returns fluctuated greatly. Under such circumstances, bank wealth management products will further test the ability of institutions to invest, and the differentiation in product returns will also be more obvious. According to the reporter's understanding, out of the 17,800 bank wealth management products currently on the market, most products have a yield of less than 10%. There are more than 80 banks with a yield of 10% or more, and 6 of these products have an annualized yield of more than 40%. Only 6 bank wealth management products have negative annualized returns.