Baccarat consists of 2 hands:

- Banker Hand
- Player Hand

The winner of a casino Baccarat game is recgonized by his final bacarrat score which is calculated via the following algorithm:

- 10's and face (J,Q,K) cards do not count for points. They are scored as 0 points.
- An Ace in Baccarat is worth a single (1) point.
- Cards 2 to 9 are worth their numerical face values scores respectively.
- The score of all Baccarat cards in a hand is summed up. If the baccarat summation score is in excess of 9 (that is, a 2 digit score), then the 1st digit of this 2 digit score is discarded. For example, 9 plus Ace (which sums to 10) translates to 0 points, since we drop the leading '1'. Another example would be an 8 plus a 6 (which sums to 14), would equate to 4 points.

The Baccarat game progresses from this point forward as follows:

- From the "shoe", the dealer deals 2 cards to both hands.
- If either hand results in a score of 8 or 9, it is termed a "natural". In this case, both hands "stand". The final score dictates if there is a winner or there is a tie. The game completes at this point, and the Baccarat player moves on to recovering bets.
- If the game continues on, initially the "player hand" and then the "banker hand" must continue play by observing these explicit rules:
- If the player's first 2 cards sum to less than 6 points, the player draws another card (i.e., the last card) from the "shoe". The player then "stands".
- If the banker's first 2 cards sum to more than 6 points, the banker must "stand" and expose. If the initial score is 0, 1 or 2, the banker must draw the last card from the "shoe". If the card is a 3 and the player's 3rd card is between 0 and 9 points, the banker then draws the third card. If the card is a 4 and the player's 3rd card is between 2 to 7 points, the banker draws the 3rd card. If the card is a 5, and the player's 3rd card is between 4 to 7 points, the banker draws the 3rd card. If none of the above manifests, the banker "stands" and the games is completed.

- If both Banker and Player hands get equal scores, the game is a resultant tie and the tie bet gets the win. Otherwise, the bet on the hand has a score closest to 9 points, is deemed the winner.
- Bets are then "recovered". If the winning bet made is by the player or the banker, then he/she recovers even money. This translates to the bet itself and a win that calculates to the amount of the bet. However, if the winner is the banker hand, the casino itself will rake a comission of between an amount of 4% to 5%, which is also known as a "vygorish". If the winning bet results in a tie, then neither the player or banker bets are paid or debited. In Baccarat, a tie bet is typically paid at odds of between 8-to-1 or 9-to-1.

The following is a replica of a **
Baccarat Strategy** table.