The biggest cuts last year were made by banks in the United States, Britain, Italy and Spain. Royal Bank of Scotland shed 10,000 staff and more could follow as it sells overseas businesses and shrinks its investment bank further. Some banks added staff last year after sharp cuts in 2013, including HSBC, Standard Chartered and BNP Paribas, the data showed. U.S. banks with large consumer operations, such as JPMorgan and Bank of America, made substantial job cuts in the past two years as they worked through troubled mortgages left by the financial crisis and refinanced many loans at lower interest rates. Citigroup also eliminated jobs as it consolidated back offices and quit some international markets. Banks are also closing branches and laying off staff as a growing number of customers shift to mobile and online banking. The shift to digital banking and more efficient processing is expected to exert renewed pressure on staffing in the coming years.