Answer from the official website of Bank of China: The basis for calculating customer investment income is clearly listed in the income calculation department in the product manual, with income calculation examples attached.

Generally speaking, for closed products with a clear maturity period, if the product is not terminated early and is dealt with according to the expected rate of return, the investor's income calculation formula is: investment principal * expected rate of return * number of days in existence / 365; if the product

It is a fund-type floating net value product. Without considering redemption fees, customer income can be estimated according to: Ending position floating profit and loss = Ending position share * (Ending net value - Average price of position investment cost) (without considering dividends).