There is no advantage to banking. Banking is when somone enters or lures another player who is usually new, and could never match with this somone into a rated operation; therefore, losing numorous times to this person, practically giving points away. Banking is usually done by somone who can not get points on their own, so they do this. This is a pretty pethetic excuss for points. People who do it, and seen being done by other players, usually ends up with a pretty bad reputaion. Once again.
There is NO advantage to banking.