网商银行“稳利宝”二季度报告：用户超400万人，每3个新用户有2人投资2笔以上

Core Insights - The report highlights the strong performance and user trust in "Wenlibao," a wealth management platform under Ant Bank, with over 4 million users as of June 30, 2025 [1][3] Group 1: Performance Metrics - "Wenlibao" achieved an average annualized return of 2.76% over the past year, surpassing the banking wealth management industry average of 2.51% [2][5] - The platform demonstrated exceptional resilience, with a 100% positive return rate for its main products in May, compared to 97.9% for the entire banking wealth management sector [2][6] - Users holding "Wenlibao" products for more than three months achieved a 100% positive return [2][5] Group 2: User Engagement - The user base of "Wenlibao" exceeded 4 million, with a significant increase in user trust and repurchase intent [3] - Among new users, 66.67% made more than two investments, and over 60% of users had a repurchase amount higher than their first investment [3][5] - The platform is particularly favored by small and micro business owners, who appreciate its stable returns and liquidity for managing operational cash flow [3]