After years of increases, interest rates are starting to fall.Singapore banks enjoyed a profitable period during the rate hikes.They saw net interest margins increase, which drove profits to record highs. As earnings rose, so did dividends, which benefited investors seeking income.Now that the cycle is turning, a familiar question returns. Will bank dividends hold up when rates fall?At first glance, the concern is understandable. Lower rates usually mean lower margins. But bank dividends still look attracti ...