The bank earnings season is now over. Pretty decent, considering. Full-year profit at DBS Group (SGX: D05) fell for the first time in four years – income declined 26%. Meanwhile, UOB (SGX: U11) said annual profit was down by a-third from a year ago. Singapore’s other listed bank, OCBC (SGX: O39), said profit dropped by nearly a-quarter for the full year. Over in Malaysia, the country’s biggest lender, Maybank (KLSE: 1155), reported a 21% drop in full-year profit, whilst Public Bank (KLSE: 1295) said annual profit declined around 12%. Elsewhere, HSBC (LSE: HSBA) posted a 34% fall in full-year earnings, and Standard Chartered (LSE: STAN) registered a 57% fall in annual earnings. So, banks made less money last year compared to the year before. No real surprises there. In case anyone has been living under a rock, COVID-19 brought the global economy to a virtual standstill in 2020. We could, if we wanted, trawl through their accounts forensically to identify why profits have fallen. But to even be able to make a profit...