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Retained earnings is the accumulated portion of net income that is not distributed to shareholders. National Credit and Commerce Bank's retained earnings for the quarter that ended in Jun. 2026 was BDT6,365 Mil.
National Credit and Commerce Bank's quarterly retained earnings
increased
from Dec. 2025 (BDT6,990 Mil) to Mar. 2026 (BDT8,098 Mil) but then
declined
from Mar. 2026 (BDT8,098 Mil) to Jun. 2026 (BDT6,365 Mil).
National Credit and Commerce Bank's annual retained earnings
increased
from Dec. 2023 (BDT2,777 Mil) to Dec. 2024 (BDT4,235 Mil) and
increased
from Dec. 2024 (BDT4,235 Mil) to Dec. 2025 (BDT6,990 Mil).
National Credit and Commerce Bank (DHA:NCCBANK) Retained Earnings Explanation
Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.
For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.
If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.
Of course, many companies with negative retained earnings have indeed lost money in the past.
Retained Earnings: Warren Buffett's Secret.
One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.
If the company loses more than it has accumulated, retained earnings is negative.
If a company isn't adding to its retained earnings, it isn't growing its net worth.
Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.
Microsoft is negative because it chose to buyback stock and pay dividends.
The more earnings retained, the faster it grows and increases growth rate for future earnings.
National Credit and Commerce Bank Retained Earnings Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
National Credit and Commerce Bank Retained Earnings Chart
National Credit and Commerce Bank Retained Earnings Calculation
Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.
Of course, if a company loses, it is called retained losses, or accumulated losses.
What does a Retained Earnings of BDT6,365 Mil mean?
National Credit and Commerce Bank (DHA:NCCBANK) has a Retained Earnings of BDT6,365 Mil as of Jun. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on National Credit and Commerce Bank and its competitors.
Is National Credit and Commerce Bank's Retained Earnings too high?
National Credit and Commerce Bank's current Retained Earnings is BDT6,365 Mil. Overall, National Credit and Commerce Bank has a GF Score™ of 77/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does National Credit and Commerce Bank's Retained Earnings compare to competitors?
National Credit and Commerce Bank's Retained Earnings of BDT6,365 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Retained Earnings for a Banks company?
A good Retained Earnings depends on the Banks industry context. However, Retained Earnings should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on National Credit and Commerce Bank and its competitors. National Credit and Commerce Bank's current Retained Earnings is BDT6,365 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is National Credit and Commerce Bank stock overvalued right now?
Based on GuruFocus' analysis, National Credit and Commerce Bank (DHA:NCCBANK) is currently considered Modestly Overvalued. The stock's GF Value™ is BDT13.37, compared to a current price of BDT15.10 — trading 12.9% above its estimated fair value. The current Retained Earnings is BDT6,365 Mil. National Credit and Commerce Bank's overall GF Score™ is 77/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For National Credit and Commerce Bank (DHA:NCCBANK), the current Retained Earnings is BDT6,365 Mil as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is National Credit and Commerce Bank (DHA:NCCBANK) Overvalued in 2026?
Based on GuruFocus' analysis, National Credit and Commerce Bank stock appears to be overvalued.
The current stock price of BDT15.10 is trading 12.9% above its estimated GF Value™ of BDT13.37.
GuruFocus considers National Credit and Commerce Bank to be Modestly Overvalued.
Key valuation signals for DHA:NCCBANK:
Retained Earnings: BDT6,365 Mil
GF Value™: BDT13.37 vs. price of BDT15.10 (12.9% above fair value)
No single metric tells the full story. See the DHA:NCCBANK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
National Credit and Commerce Bank PLC is a commercial bank in Bangladesh. The principal activities of the company are loans and deposit services, personal and commercial banking, trade services, and others to the customers. The company offers a range of services such as Retail Banking, Corporate Banking, NRB banking, and E-banking, among others.
77GF Score
Get the complete analysis for DHA:NCCBANK
Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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