By Ruby Flanagan The Royal Bank of Scotland (RBS) will be closing 18 branches this year – one fifth of its overall branches in Scotland. The move is set to put over 100 jobs at risk and will cut the number of bank branches in the country down from 86 to just 68. The bank, which is now part of the Natwest Group said the decision to close more branches was due to declining use by customers. It noted that digital banking is being used “more than ever before” with over 80% of active current account holders using digital services. Alongside this, more than 97% of its retail accounts are opened over…