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Three dealers run the game and one of these is the caller who runs the game and stands between positions 1 and 15. When the bank wins the house claims a %5 cut of the winnings and the total amount is collected every time the shoe is reshuffled. If the hand is greater than 10 then 10 is subtracted from the total, this means that the value of the hand is always 0-9. All picture cards count as 10 and aces count as 1.
Player and dealer are both dealt two cards to start with, if either of them has a two card total of 8 or 9 then they must immediately turn over the cards. If your score is below 6 then you must hit and receive a third card, if you receive a third card then the dealer takes another depending on your total. If the dealer has 0 then he must draw. If the dealer has 2 then he must draw. If the dealer has 4 then he must draw if your card is a 2-3-4-5-6-7. If the dealer has 5 then he must draw if your card is a 4-5-6-7. If the dealer has 8 then he must stand. If the dealer has 9 then he must stand. The game is played using a fixed set of rules for the player and the dealer, and these rules represent the best odds of winning for both the player and for the house. Calculations have been made that show the odds of the player winning are 442%, losing 455%, and 93% to tie. You may have heard of the 1 - 3 - 2 - 6 baccarat system. If you win the second bet but lose the third bet, your profit is two units. If you win the first three bets but lose the fourth, you break even. If you lose the second bet five out of six times, and then win four consecutive bets once, you break even. The casino's always win in the long run. Don't doubt it. How should this change the way a player wagers?
Factoring in the commission it turns out that you are still slightly better off by betting that the house will win. This assumes the commission is the usual 5%, should the commission change then you have to change strategy. Removing the tie hands in the event there is no payoff, the odds of the player winning are 492% and for losing 508%. For various commissions we can calculate the following average payoffs then, assuming 100 wagers of $1 were made.
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