I heard the news, that banks are afraid of bitcoin and can replace banks, because the excess of bitcoin is much compared to local banks
Actually, one of the benefits of bitcoin is easy the experience users struggle with international and local banking transfers. Its more about the blockchain technology, not bitcoin. Banks have started adopting blockchain and they will highly benefit from it. Furthermore, the mainstream bank clients dont trust bitcoin so I would not expect a major shift in this regard.
Nevertheless, my personal conviction is that blockchain and bitcoin are always about opportunities, not limitations!