Ed Miliband, leader of Britain's opposition party, the Labour Party delivers a speech on the economy at the University of London, Friday, Jan. 17, 2014. Ed Miliband is promising a "reckoning" with the banks if Labour wins the next election. The big five high street banks will be forced to give up "significant" numbers of branches to make way for new competitors. (AP Photo/Kirsty Wigglesworth)