BANK of Ireland has not ruled out further job losses at the bank following on from its current programme.
The bank also said it will chase rogue landlords who are hoarding rental cash rather than paying down debt.
Already 3,500 staff have left the bank since 2008 with 13,000 remaining.
Bank of Ireland's Richie Boucher said there would be fewer people employed in the bank by next year but it is not clear how many people could be affected of there is a new programme.
It also said the existing pay freeze will continue but will be reviewed in April and December of next year.
Irish Bank Officials' Association General Secretary Larry Broderick said: “IBOA will be scrutinising any specific proposals for job reductions with a view to securing alternative arrangements wherever possible.”