Lloyds has not yet confirmed when the changes will be implemented but they are expected to be brought in this year. BTU - which is an independent trade union for Lloyds employees - warned that the decision could trigger banks to shut more of its high-street sites. BTU claimed a separate presentation, seen by the union, showed that a quarter of its branch network shares the same location. This has prompted concern that there could be closures in some areas where there is more than one Lloyds brand with an open branch, the union said in a message to members. It is understood that BTU is not recognised as an official union so its members do not engage with Lloyds. Lloyds has announced a number of branch closures in recent years as it focuses on digital banking -used by 22 million customers. Its in-person banking has fallen sharply. The latest closures will see 55 branches leave high streets in locations across the UK this year.