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This means the game is quite simple especially as there are only three possible bets that can be made. 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. The aim of the game is to get as close to 9 as possible and if you are nearer then you win. 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. If the dealer has 0 then he must draw. If the dealer has 1 then he must draw. If the dealer has 2 then he must draw. If the dealer has 5 then he must draw if your card is a 4-5-6-7. If the dealer has 6 then he must draw if your card is a 6-7. If the dealer has 8 then he must stand. If the dealer has 9 then he must stand. Thus it would seem to be to your advantage to bet on the house winning on every hand. Baccarat systems are few and far between. That is, systems that are designed specifically for that game, but many other mathematical betting systems may fair well in this general card game. You may have heard of the 1 - 3 - 2 - 6 baccarat system. With this approach you keep track of what you bet over the course of four hands. The objective of course is to bet a little with the potential for a larger return. If you win the first bet but lose the second, that's two units you've lost. 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. 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. If the commission is less than 5% then it is always to your advantage to bet with the house, while if the commission is more than 5% it pays to bet on the player winning. For various commissions we can calculate the following average payoffs then, assuming 100 wagers of $1 were made.
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