A customer service representative takes a call inside the customer service call center at First Direct bank, the online and telephone banking unit of HSBC Holdings Plc, in Leeds, U.K., on Wednesday, Feb. 26, 2014. HSBC Holdings Plc, Europe's largest bank, posted full-year profit that missed analyst estimates as a cost-cutting drive fell short of targets and revenue shrank. Photographer: Chris Ratcliffe/Bloomberg via Getty Images