Meredith Whitney, known to be a very vocal bear on the banking industry, has come out with a very bullish banking position. She has stated that there is incredible opportunity within the financials and highlights Bank of America (BAC 0.64%), Citigroup (C 2.12%) and Discover Financial (DFS) specifically. In this video, Motley Fool analyst Matt Koppenheffer tells us why she believes that the Federal Reserve will approve plans from these banks to return capital to shareholders in early 2013, and particularly why this may mean big things for some of the banking sector's dividends.