LJUBLJANA (Slovenia), November 19 (SeeNews) – Slovenian biggest lender NLB said it has closed 22 branches and 72 automated teller machines (ATMs) since April to reduce operating expenses as part of its restructuring. The bank expects the measures to bring millions of euro in annual savings, while the cost of closures has been estimated at less than 5% of the anticipated economies, the lender said in a press release on Tuesday. The downsizing causesd customer loss of some 6%, which is negligible compared with the scale of the overhaul, the bank added.