In the latest example of a European bank using American-style tactics to rein in expenses, Lloyds TSB Group PLC said Friday that it would cut 4% of its work force, or 3,000 jobs, and take $321.8 million in charges this year as it consolidates certain functions for greater efficiency.

The $283 billion-asset banking company said it would centralize computer and processing functions, streamline its branch network, and automate some internal functions.

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