The Irish Bank Officials Association (IBOA) said there was an onus on management to explain possible branch closures and cuts to front desk and back office operations on the back of the deal. Larry Broderick, IBOA general secretary, called for openness to allow staff to consider redundancy or early retirement. "The onus is now on the Bank to set out in detail - for the benefit of customers as well as staff - the full implications of all aspects of its plans," he said. "The full details of its restructuring plan has still to be clarified. This is essential to enable staff to make an informed decision about whether they should remain with Ulster Bank or leave at this time." Ulster Bank, a subsidiary of the Royal Bank of Scotland (RBS), announced 950 job losses in January. RBS, which cut 3,500 jobs from its investment wing at the start of the year, has been refinanced with £45.5 billion of British taxpayers' money and is more than 80% state-owned.