ANZ expects to close more branches as demand for over the counter services declines. Is this foreshadowing a return of the retail recession?

ANZ expects to close more branches as demand for over the counter services declines. Is this foreshadowing a return of the retail recession?
Danske Bank has lowered the threshold to charge retail clients negative interest rates.
ANZ Closing 15 Additional branches.
CBA Profits Are Down 10%.
ANZ profits have crashed and Westpac’s cash earning are also down.
Bank shares have surged on news of loosening lending requirements.
Failing Banks Could Bail-In Your Money. Are you worried?
Do you trust the banks? Moves are being made to address the Deposit Bail-In Risk.
Banks fear a property tsunami so are allowing investors to extend their interest-only loans.
ANZ Profits Crash and No Dividend will be paid.