MILAN, ITALY - MARCH 11:  An external view of Unicredit Bank headquarters on March 11, 2014 in Milan, Italy.  Unicredit, Italy's largest bank, reported a huge fourth-quarter loss of 15 billion euros ($21 billion USD) which came on the heels of an announcment by the European Central Bank (ECB) earlier in the day to further scrutinize the books of euro zone banks. (Photo by Pier Marco Tacca/Getty Images)