Literally, it has nothing to do with three months. The yield of 4% is 4% of 5,000 yuan, which is 200 yuan.

But you don't usually say that. This problem is probably a wealth management product, with a starting point of 5,000 yuan and a cycle of 3 months. This 4% is an annualized rate of return, not a global rate of return. So 4% is a year, not three months.

Actual income is 5000*4%*3/ 12=50 yuan.