Why banker on baccarat has better chances to win than the player bet?
Does betting banker worth the 5% commission?
I'm actually in the process of explaining this in detail in a new blog post that I plan on publishing this month - I'll be sure to share that with you once that's out. Especially the (debatable) point of whether or not its 'worth' paying the 5% commission for a Banker bet
The short answer to your first question, however, is that the Banker's advantage is fundamentally derived from the way the cards are dealt. To think of it in very simple terms, the Banker is 'the last to act' after Player has drawn all cards - so the Banker has the advantage to 'react' accordingly.
In the standard variation of mini-Baccarat that's most commonly offered in casinos, the Banker wins 50.68% versus a Player's 49.32%. If you include Ties to that then it's 45.86% for Banker, 44.62% for Player, and the remaining 9.52% to Tie.
Hope this helps!