Since the last time United Overseas Bank Ltd (SGX: U11), or UOB, reported its fiscal 2022 third quarter (3Q2022) earnings, the Federal Reserve raised interest rates a total of three times. While the Federal Reserve has slowed the pace of rate hikes, it reiterated that ongoing interest rate increases will persist as the US central bank continues its fight to tame inflation. More interest rate increases spell positive news for the lender as rising interest rates help to lift its top and bottom lines. Here are five highlights from the blue-chip bank’s latest earnings report card for 2022. Net profit hits a new record  UOB’s total income for 2022 rose by 18% year on year to S$11.6 billion. The increase was supported by higher net interest income (NII), which surged by 31% year on year to S$8.3 billion, offset by a 9% year on year dip in fee and commission income which came in at S$2.1 billion. Operating expenses rose less than total income...