A writer for the Wall Street Journal, discussing the relatively poor performance of HSBC, a global bank with headquarters in the United Kingdom, noted, “ [The poor performance] is further reason to ask whether the structure of such a large, global bank is working against it…. There remains a legitimate question whether the group is too big to manage.” After reading this article, a student remarks: “It seems that the firm is suffering from diminishing returns.” Briefly explain whether you agree with this remark.