Baccarat




Copy from Wikipedia.












Baccarat is a card game played at casinos. There are three popular variants of the game: punto banco (or "North American baccarat"), baccarat chemin de fer (or "chemmy"),and baccarat banque (or "à deux tableaux"). Punto banco is strictly a game of chance, with no skill or strategy involved; each player's moves are forced by the cards the player is dealt. In baccarat chemin de fer and baccarat banque, by contrast, both players can make choices, which allows skill to play a part. Despite this, the winning odds are in favour of the bank, with a house edge no lower than around 1 per cent.
Baccarat is a comparing card game played between two hands, the "player" and the "banker." Each baccarat coup has three possible outcomes: "player" (player has the higher score), "banker," and "tie."
The name of the game is probably derived from the Italian word baccara ("zero" or "nothing"), referring to the value of all 10-count cards.










Varieties of Baccarat

Baccarat games were originally social and private gambling games, but now are played widely in casinos.

Punto banco

The overwhelming majority of casino baccarat games in the United States, United Kingdom, Canada, Australia, Sweden, Finland, and are "Punto banco" baccarat and they may be seen labelled simply as "Baccarat". In Punto banco, the casino banks the game at all times, and commits to playing out both hands according to fixed drawing rules, known as the "tableau" (French: "board"), in contrast to more historic baccarat games where each hand is associated with an individual who makes drawing choices. Player ("Punto") and Banker ("banco") are simply designations for the two hands dealt out in each coup, two outcomes which the bettor can back; Player has no particular association with the customer, nor Banker with the house.
In some countries,this version of the game is known as tableau.
Punto banco is dealt from a containing 4, 6, or 8 decks of cards shuffled together. A cut-card - a coloured (often yellow) piece of plastic, the same size as a regular card, and which is used in shuffling - is placed in front of the seventh-last card, and the drawing of the cut-card indicates the last coup of the shoe. For each coup, two cards are dealt face up to each hand, starting from "player" and alternating between the hands. The croupier may call the total (e.g. "Five Player, three Banker"). If either Player or Banker or both achieve a total of 8 or 9 at this stage, the coup is finished and the result is announced: Player win, a Banker win, or tie. If neither hand has eight or nine, the drawing rules are applied to determine whether Player should receive a third card. Then, based on the value of any card drawn to the player, the drawing rules are applied to determine whether the Banker should receive a third card. The coup is then finished, the outcome is announced, and winning bets are paid out.

Tableau of drawing rules for punto banco

If neither the Player nor Banker is dealt a total of 8 or 9 in the first two cards (known as a "natural"), the tableau is consulted, first for Player's rule, then Banker's.
Player's rule
If Player has an initial total of 0–5, he draws a third card. If Player has an initial total of 6 or 7, he stands.
Banker's rule
If Player stood pat (i.e., has only two cards), the banker regards only his own hand and acts according to the same rule as Player. That means Banker draws a third card with hands 0–5 and stands with 6 or 7. If Player drew a third card, the Banker acts according to the following more complex rules:
  • If Player drew a 2 or 3, Banker draws with 0–4 and stands with 5–7.
  • If Player drew a 4 or 5, Banker draws with 0–5 and stands with 6–7.
  • If Player drew a 6 or 7, Banker draws with 0–6 and stands with 7.
  • If Player drew an 8, Banker draws with 0–2 and stands with 3–7.
  • If Player drew an ace, 9, 10, or face-card, the Banker draws with 0–3 and stands with 4–7.
The casinos list these rules in a more easily remembered format as follows:
  • If the banker total is 2 or less, then the banker draws a card, regardless of what the player's third card is.
  • If the banker total is 3, then the bank draws a third card unless the player's third card was an 8.
  • If the banker total is 4, then the bank draws a third card if the player's third card was 2, 3, 4, 5, 6, 7.
  • If the banker total is 5, then the bank draws a third card if the player's third card was 4, 5, 6, or 7.
  • If the banker total is 6, then the bank draws a third card if the player's third card was a 6 or 7.
  • If the banker total is 7, then the banker stands.
















A math formula equivalent to the drawing rules is: take the value of Player's third card, counting 8 and 9 as −2 and −1. Divide by 2 always rounding down towards zero. (Thus −1,0,1 all round to zero when this division is done.) Add three to the result. If the Banker's current total is this final value or less, then draw; otherwise, stand.
The croupier will deal the cards according to the tableau and the croupier will announce the winning hand: either Player or Banker. Losing bets will be collected and the winning bets will be paid according to the rules of the house. Usually, even money or 1–1 will be paid on Player bets and 95% to Banker bets (even money with "5% commission to the house").
Should both Banker and Player have the same value at the end of the deal the croupier shall announce "égalité — tie bets win." All tie bets will be paid at 8 to 1 odds and all bets on Player or Banker remain in place and active for the next game (the customer may or may not be able to retract these bets depending on casino rules)
For further please go to wikipedia











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