Unappropriated profit is profit (= money earned) that is kept in a business and not given to owners or shareholders (= people who own part of a company and therefore get part of the company's profits).

Reserves created by the bank, and retained earnings, i.e. unappropriated profit, also form part of the bank’s resources. 银行创造的储备金和留存收益，即未分配的利润，也构成银行资源的一部分。

Whether to issue dividends, and what amount, is calculated mainly on the basis of the company's unappropriated profit and its earning prospects for the coming year.