Baccarat is begun by placing a wager on either theBanker'sorPlayer'shand. Two cards are dealt from a shoe to each hand. The first hand represents those betting on thePlayer, the second on theBanker. A third card may be dealt to either hand in accordance with the rules shown in the table below. The winning hand is the one with the point total closest to 9. Tens, cards totaling ten and picture cards count as zero. An ace is counted as one. All numbered cards 1 through 9 count at face value. If the cards total a two digit number, only the last number counts (example 4+9=13; 13 counts as 3). Bets are paid even money but a 5% commitssion is charged on winningBankerbets. A bet on a tie hand may be made which pays 8 to 1.

I am going to summarize the table of rules that stipulate when a third card(s) is/are dealt as follows:

- If either the player or the banker have a total of an 8 or a
9 they both stand.
**This rule overrides all other rules.** - If the player's total is less than or equal to 5 the player
draws a card, otherwise the player stands.
- If the player does not draw a third card, then the Banker's
hand stands on a total of 6 or more and takes a third card on
a total of 5 or less. If the player does draw a third card
follow the rules below to determine if the banker draws a third
card.
- If the banker's total is less than or equal to 2 then banker
draws a card, regardless of what the player's third card is.
- If the banker's total is a 3 then banker draws another card
unless the player's third card is an 8.
- If the banker's total is a 4 then banker draws another card
unless the player's third card is a 0,1,8, or 9.
- If the banker's total is a 5 then banker draws another card
if
the player's third card is a 4,5,6, or 7.
- If the banker's total is a 6 then banker draws another card
if
the player's third card is a 6 or 7.
- If the banker's total is a 7 then banker stands.

Do not confuse the term "player" with yourself or "banker" with
the casino. They may as well be labeled "a" and "b". It is
important to know that since all of the rules of taking a third
card are predetermined **you don't need to know
them.**

The bank will win 45.84% of the time. The player will win 44.61% of the time. There will be a tie 9.54% of the time.

Taking into consideration these percentages and the 5% commission the following are the house advantages by bet made:

Bank: 1.06% Player: 1.23% Tie: 4.57%

Edwin Silberstang's *Encyclopedia of Games & Gambling* says
the house advantage on the bank is 1.17% and on the player is
1.36%. This is differs from my numbers because he is ignoring
ties while I do not.

**Note: **The statistics above were calculated by
considering all 4,826,809
possible combinations of 6 cards, ignoring the suit. I wrote a
computer program to play all possible combinations, consider when
and when not the third card(s) should be taken, calculate the
winner in every situation, and keep a running total. Of the
4,826,809 variations the bank won
2,212,744; the player won 2,153,464; and there was a tie the
other 460,601. If I ignored
the ties my figures would agree with Silberstang's.