Dividend by large banks such as Citigroup, Bank of America and Wells Fargo is not likely to be increased or even resumed in the near future, even if earnings significantly improve, David Reilly writes. That is because the banks are holding back until a final decision is made on the financial-overhaul bill and capital requirements are made clear, Reilly explains. Congress has not specified how much more capital banks would have to hold or whether "too big to fail" institutions would have to maintain an even higher level.

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