Everest Bank, which declared dividend from the distributable profit of the Fiscal Year 2076/77, had a dividend capacity of 19.66 percent. However, the bank has proposed to pay 10.53 percent dividend from last year's distributable profit. Of which bonus is 5 and cash is 5.53 percent. The bank has paid a dividend of 9.13 percent less than its capacity.

Similarly, Standard Chartered Bank has also declared less than its capacity dividend this year. The bank's ability to pay dividends is 18.92 percent. But the bank has proposed to give only 11.84 percent. Of which bonus is 7 and cash is 4.84 percent. The bank has proposed to pay a dividend of 7.08 percent less than its capacity.

Experts say that these banks have declared a lower reserve fund by declaring less dividends. According to sources, this year the bank will strengthen the reserve fund by declaring less dividends.

Although it seems that the company has reduced the dividend rate without receiving cash dividend for a long time, in the current situation, the banks have adopted vigilance in dividends to strengthen the institution.

Capital capacity must be strong to make the organization strong with long term thinking. For that, the reserve fund should also be strong. Banks seem to be paying attention to that now.

Of course, the banks did not skimp on dividends last year, saying they would strengthen the institution. Since cash is available for many days, dividends were higher. This year, the ratio of bonus to cash dividend is 70:30 percent. Due to that, it has been argued that the dividend has decreased as there is no more cash to give.

Experts argue that the net worth is getting stronger as these banks have already put a small dividend in the reserve fund even though they can distribute it.

Banks have been strengthening their reserves as they prefer cash after dividends and have long-term thinking.

If the dividend had been paid as per the capacity this year, Chartered would have been burdened with additional capital, as was Everest. The two banks have proposed lower dividends to avoid increasing the capital burden