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Runescape introduced the banking system so as to cater to the need of providing for a place where the players could safely store their possessions.
Why do you need a Runescape Bank?
With a stock or inventory being able to hold only 28 items in all, the requirement of having a bank where you could deposit the rest of your possessions was felt. Runescape introduced banks for catering to this requirement. There was also another reason like in case a player died in the game and he had all his possessions with himself he would loose all this. In order to protect the possessions of the person also the need for banks was felt.
As the game of Runescape evolved, the need for banks was felt and thus, was introduced by Jagex to facilitate the smooth functioning of the game of Runescape and providing maximum flexibility to the players.