United Overseas Bank Ltd (SGX: U11) (UOB) is the final Singapore-listed bank to announce its financial results for the year ended 31 December 2020.  Let’s take a look at some of the highlights from UOB’s latest earnings.  1. Total Income For the latest period, UOB’s total income decreased by 9% year-on-year to S$9.18 billion.  The fall came on the back of lower net interest income, net fee and commission income, and other non-interest income.  Net interest income fell 8% to S$6.04 billion due to the reduced interest rates to support regional economies and enhance market liquidity. Net fee and commission income was 2% lower at S$2 billion as consumers spent less on their credit cards and business activities reduced amid the pandemic-driven movement restrictions. However, wealth management fees and fund management fees improved.  With the volatile market in 2020, UOB’s other non-interest income tumbled 20% to S$1.14 billion due to...