OCBC Ltd (SGX: O39) is the last of the three Singapore banks to release its fiscal 2022 third quarter (3Q2022) earnings. Last Friday, United Overseas Bank Ltd (SGX: U11), or UOB, released a sparkling set of earnings and reported a record S$1.4 billion net profit. And yesterday, its larger peer DBS Group (SGX: D05) reported its highest net profit in history of S$5.8 billion for the first nine months of 2022 (9M2022). Singapore’s second-largest bank did not disappoint. OCBC reported a record net profit of S$1.6 billion for 3Q2022 along with an annualised return on equity of 12.4%. Here are five highlights that investors should know about the lender’s latest earnings report card. 1. A surge in total income and net profit For 3Q2022, net interest income (NII) surged by 44% year on year to S$2.1 billion, lifted by the strong rise in interest rates. It was also the first time that OCBC had recorded a quarterly NII exceeding S$2 billion. Non-interest income, however...