Lloyds TSB has promised to keep the Halifax and Bank of Scotland names after buying them. There were fears it would ditch both HBoS brands when the deal is done. But while the high street names live on, mass branch closures are still expected. Savage cuts among the superbank's 145,000-strong workforce are also on the cards. Yet while hard-working cashiers will have to wait for the new year to hear their fate, fat cat bosses have already shared out the top jobs. At least they'll be enjoying a happy Christmas.