Xin Lang Cai Jing·2026-01-05 05:28Core Viewpoint - A recent test of eight major bank apps revealed that only one bank displayed the holding annualized return, which allows clients to compare past returns with their current holdings more intuitively [1][5]. Group 1: Bank App Performance - The tested banks included Industrial and Commercial Bank of China, China Construction Bank, China Merchants Bank, Industrial Bank, Minsheng Bank, WeBank, MyBank, and Shanghai Bank [1][5]. - The apps typically show annualized returns over different time frames, such as since inception, the past year, the past month, and the past three months, with a common marketing strategy of displaying the highest return [1][5]. Group 2: Customer Reactions - Some users expressed frustration, stating that they were attracted by high reported returns but found actual returns to be significantly lower [6]. - Other users noted that there are hidden complexities in the reported returns, making it difficult for ordinary investors to discern the true performance [7].