By Charlie Conchie Virgin Money warned of further cost-cutting and layoffs to come today after slashing its headcount in the first quarter of the year. In a trading update this morning, the London-listed lender said it was on track to deliver £200m of annualised savings after “accelerating restructuring and digitisation activity” at the start of its financial year. The firm has followed scores of high-street lenders in closing branches and slashing its headcount in recent years in a bid to contain costs and account for the shift to digital banking. A total of 39 stores were shuttered in the fi…