# Concepts 16: Baccarat – Effects of Card Removal

Hi friends,

This topic follows the study on the most beneficial cards to the Player, Banker and Tie wagers in Baccarat.

The 3 tables below show the effect on the probabilities of the Player, Banker and Tie as 1, 2 and 3 cards are removed in isolation from each card value. Do take note of the changes in probability as each card is removed and their relationship to the respective wager.

Player

 Card Value: Permutations Player Win % Compared to Other Wagers Player Win % by Card Value Effect of 1 Card Removed Effect of 2 Cards Removed Effect of 3 Cards Removed 4 1,036,330,148,130,820 44.9220% 7.7436% –                   0.0000435175 –                     0.0000870460 –                     0.0001305855 0 1,035,362,791,243,780 44.8801% 7.7363% –                   0.0000373810 –                     0.0000749287 –                     0.0001126377 J 1,035,362,791,243,780 44.8801% 7.7363% –                   0.0000373810 –                     0.0000749287 –                     0.0001126377 Q 1,035,362,791,243,780 44.8801% 7.7363% –                   0.0000373810 –                     0.0000749287 –                     0.0001126377 K 1,035,362,791,243,780 44.8801% 7.7363% –                   0.0000373810 –                     0.0000749287 –                     0.0001126377 1 1,034,132,990,550,020 44.8268% 7.7272% –                   0.0000295798 –                     0.0000594307 –                     0.0000895596 3 1,032,891,882,528,770 44.7730% 7.7179% –                   0.0000217068 –                     0.0000440304 –                     0.0000669774 2 1,031,651,228,684,290 44.7192% 7.7086% –                   0.0000138368 –                     0.0000279871 –                     0.0000424652 9 1,031,234,689,822,720 44.7012% 7.7055% –                   0.0000111945 –                     0.0000236585 –                     0.0000374332 8 1,030,998,408,818,690 44.6909% 7.7037% –                   0.0000096956 –                     0.0000214609 –                     0.0000353579 5 1,020,528,719,052,800 44.2371% 7.6255% 0.0000567188 0.0001128483 0.0001683503 7 1,013,469,785,956,350 43.9311% 7.5728% 0.0001014971 0.0002024677 0.0003028843 6 1,010,420,677,033,980 43.7989% 7.5500% 0.0001208391 0.0002418228 0.0003629233

Banker

 Card Value: Permutations Banker Win % Compared to Other Wagers Banker Win % by Card Value Effect of 1 Card Removed Effect of 2 Cards Removed Effect of 3 Cards Removed 8 1,067,894,055,137,280 46.2902% 7.7645% –                   0.0000629994 –                     0.0001283117 –                     0.0001959930 9 1,063,659,370,418,180 46.1067% 7.7337% –                   0.0000361367 –                     0.0000740128 –                     0.0001136737 5 1,062,272,823,181,310 46.0466% 7.7236% –                   0.0000273411 –                     0.0000544194 –                     0.0000812294 0 1,061,053,355,229,180 45.9937% 7.7148% –                   0.0000196054 –                     0.0000395286 –                     0.0000597675 J 1,061,053,355,229,180 45.9937% 7.7148% –                   0.0000196054 –                     0.0000395286 –                     0.0000597675 Q 1,061,053,355,229,180 45.9937% 7.7148% –                   0.0000196054 –                     0.0000395286 –                     0.0000597675 K 1,061,053,355,229,180 45.9937% 7.7148% –                   0.0000196054 –                     0.0000395286 –                     0.0000597675 6 1,056,701,970,653,180 45.8051% 7.6831% 0.0000079976 0.0000143452 0.0000189833 1 1,055,563,635,941,380 45.7557% 7.6749% 0.0000152186 0.0000304640 0.0000457306 7 1,054,846,110,916,610 45.7246% 7.6696% 0.0000197702 0.0000379094 0.0000543471 2 1,051,591,007,948,800 45.5835% 7.6460% 0.0000404189 0.0000808770 0.0001213820 3 1,050,791,343,448,060 45.5489% 7.6402% 0.0000454916 0.0000893156 0.0001314284 4 1,045,981,660,065,790 45.3404% 7.6052% 0.0000760018 0.0001513286 0.0002259417

Tie

 Card Value: Permutations Tie % Compared to Other Wagers Tie % by Card Value Effect of 1 Card Removed Effect of 2 Cards Removed Effect of 3 Cards Removed 6 239,830,402,545,152 10.3960% 8.4040% –                   0.0001288367 –                     0.0002561680 –                     0.0003819067 7 238,637,153,359,360 10.3443% 8.3622% –                   0.0001212674 –                     0.0002403772 –                     0.0003572314 4 224,641,242,035,712 9.7376% 7.8718% –                   0.0000324844 –                     0.0000642826 –                     0.0000953562 5 224,151,507,998,208 9.7163% 7.8546% –                   0.0000293777 –                     0.0000584289 –                     0.0000871209 2 223,710,813,599,232 9.6972% 7.8391% –                   0.0000265822 –                     0.0000528899 –                     0.0000789169 3 223,269,824,255,488 9.6781% 7.8237% –                   0.0000237848 –                     0.0000452853 –                     0.0000644510 1 217,256,423,740,928 9.4175% 7.6130% 0.0000143612 0.0000289667 0.0000438290 9 212,058,989,991,424 9.1922% 7.4309% 0.0000473311 0.0000976713 0.0001511069 0 210,536,903,759,360 9.1262% 7.3775% 0.0000569865 0.0001144573 0.0001724053 J 210,536,903,759,360 9.1262% 7.3775% 0.0000569865 0.0001144573 0.0001724053 Q 210,536,903,759,360 9.1262% 7.3775% 0.0000569865 0.0001144573 0.0001724053 K 210,536,903,759,360 9.1262% 7.3775% 0.0000569865 0.0001144573 0.0001724053 8 208,060,586,276,352 9.0188% 7.2907% 0.0000726950 0.0001497726 0.0002313508

In summary, you will notice that shoes with a higher number of certain card values remaining will lead to a better probability on specific wagers. The following table shows the simplified effect of removal of each card value on the respective probabilities of the Player, Banker and Tie wagers:-​

 Effect of Removal on Probability by Card Value Wager 1 2 3 4 5 6 7 8 9 0 Player – – – – + + + – – – Banker + + + + – + (- from removal of card 10) + (-from removal of card 20) – – – Tie + – – (+ from Removal of card 20) – – – – + + +

In other words:

1. For the Player, it would be advantageous to have as many 5s, 6s and 7s removed from the shoe as possible and to keep the rest in.
2. For the Banker, removal of the 1s through to 4s and 6s and 7s would be advantageous. Do note the peculiarities at card 10 for 6 and card 20 for 7.
3. For Tie, removal of the 1s and 8s through to Ks would be advantageous. Do note the peculiarity at card 20 for 3.

The 3 charts below show the effect on probability as 1 to 32 cards of each value are removed.

Player

Banker

Tie

Good luck!

# Concepts 15: Most Beneficial Cards for Each Wager

Friends,

The following 3 tables show the most beneficial cards for each wager.
This was calculated by observing the number of times the presence of cards of these values led to a Player, Banker or Tie result.
They are sorted in descending order of effect by card value. Some of the results are intuitive, others may surprise.

Column 3: Player Win % Compared to Other Wagers compares the effect the card value has on a wager as compared to the other wagers, in this instance, Banker and Tie.

Column 4: Player Win % by Card Value compares that card value’s effect as compared to all other card values for that particular wager.

Player

 Card Value: Permutations Player Win % Compared to Other Wagers Player Win % by Card Value 4 1,036,330,148,130,820 44.9220% 7.7436% 0 1,035,362,791,243,780 44.8801% 7.7363% J 1,035,362,791,243,780 44.8801% 7.7363% Q 1,035,362,791,243,780 44.8801% 7.7363% K 1,035,362,791,243,780 44.8801% 7.7363% 1 1,034,132,990,550,020 44.8268% 7.7272% 3 1,032,891,882,528,770 44.7730% 7.7179% 2 1,031,651,228,684,290 44.7192% 7.7086% 9 1,031,234,689,822,720 44.7012% 7.7055% 8 1,030,998,408,818,690 44.6909% 7.7037% 5 1,020,528,719,052,800 44.2371% 7.6255% 7 1,013,469,785,956,350 43.9311% 7.5728% 6 1,010,420,677,033,980 43.7989% 7.5500%

Banker

 Card Value: Permutations Banker Win % Compared to Other Wagers Banker Win % by Card Value 8 1,067,894,055,137,280 46.2902% 7.7645% 9 1,063,659,370,418,180 46.1067% 7.7337% 5 1,062,272,823,181,310 46.0466% 7.7236% 0 1,061,053,355,229,180 45.9937% 7.7148% J 1,061,053,355,229,180 45.9937% 7.7148% Q 1,061,053,355,229,180 45.9937% 7.7148% K 1,061,053,355,229,180 45.9937% 7.7148% 6 1,056,701,970,653,180 45.8051% 7.6831% 1 1,055,563,635,941,380 45.7557% 7.6749% 7 1,054,846,110,916,610 45.7246% 7.6696% 2 1,051,591,007,948,800 45.5835% 7.6460% 3 1,050,791,343,448,060 45.5489% 7.6402% 4 1,045,981,660,065,790 45.3404% 7.6052%

Tie

 Card Value: Permutations Tie % Compared to Other Wagers Tie % by Card Value 6 239,830,402,545,152 10.3960% 8.4040% 7 238,637,153,359,360 10.3443% 8.3622% 4 224,641,242,035,712 9.7376% 7.8718% 5 224,151,507,998,208 9.7163% 7.8546% 2 223,710,813,599,232 9.6972% 7.8391% 3 223,269,824,255,488 9.6781% 7.8237% 1 217,256,423,740,928 9.4175% 7.6130% 9 212,058,989,991,424 9.1922% 7.4309% 0 210,536,903,759,360 9.1262% 7.3775% J 210,536,903,759,360 9.1262% 7.3775% Q 210,536,903,759,360 9.1262% 7.3775% K 210,536,903,759,360 9.1262% 7.3775% 8 208,060,586,276,352 9.0188% 7.2907%

# Concepts 14: Baccarat 1st Card Advantage

All right folks.

First off, please understand that having a 1st-card advantage means that the player has somehow found out what the first card of the as-yet undealed coup is.

This is at worst cheating or at best, if the dealer or procedures are weak, advantage play.

1st-card advantage is essentially a study of all the possible card permutations that start with Ace through to King that result in a Player, Banker or Tie result from the remaining cards in the shoe.

The 2 tables below show that knowing that the 1st card is a 1-5 or 10-K, would give a small advantage on the Banker wager. Knowledge of the 1st card being 6-9 would give an increasing advantage on the Player wager, with knowing a 1st card as being 9 giving a 21% advantage on the Player wager.

Below is a table that shows the probabilities before the start of the shoe:

 Card Value: Player Win Banker Win Tie Player Win % Banker Win % Tie % Player Exp Banker Exp Tie Exp 1 159,747,170,699,264 189,857,873,692,672 34,887,130,646,784 41.5476% 49.3789% 9.0736% -0.0783 0.0536 -0.1834 2 160,408,944,947,200 188,725,567,889,408 35,357,662,202,112 41.7197% 49.0844% 9.1959% -0.0736 0.0491 -0.1724 3 161,429,794,906,112 187,253,976,461,312 35,808,403,671,296 41.9852% 48.7016% 9.3132% -0.0672 0.0428 -0.1618 4 162,751,823,355,904 184,376,516,966,400 37,363,834,716,416 42.3290% 47.9533% 9.7177% -0.0562 0.0323 -0.1254 5 166,618,505,969,664 179,969,323,315,200 37,904,345,753,856 43.3347% 46.8070% 9.8583% -0.0347 0.0113 -0.1128 6 173,075,882,563,584 170,168,183,390,208 41,248,109,084,928 45.0141% 44.2579% 10.7279% 0.0076 -0.0297 -0.0345 7 185,770,147,510,272 157,451,915,216,896 41,270,112,311,552 48.3157% 40.9506% 10.7337% 0.0737 -0.0941 -0.0340 8 206,999,120,039,936 140,506,916,139,008 36,986,138,859,776 53.8370% 36.5435% 9.6195% 0.1729 -0.1912 -0.1342 9 215,108,869,548,032 132,334,879,180,800 37,048,426,309,888 55.9462% 34.4181% 9.6357% 0.2153 -0.2325 -0.1328 0 638,608,023,052,288 761,607,414,185,984 137,753,262,916,608 41.5228% 49.5203% 8.9568% -0.0800 0.0552 -0.1939

This table shows the same 16 cards in for each card value, so technically, halfway through the shoe:

 Card Value: Player Win Banker Win Tie Player Win % Banker Win % Tie % Player Exp Banker Exp Tie Exp 1 2,404,712,210,944 2,862,066,979,328 525,341,662,848 41.5170% 49.4131% 9.0699% -0.0790 0.0543 -0.1837 2 2,414,405,553,152 2,845,665,957,888 532,049,342,080 41.6843% 49.1299% 9.1857% -0.0745 0.0499 -0.1733 3 2,427,320,125,440 2,826,650,029,056 538,150,698,624 41.9073% 48.8016% 9.2911% -0.0689 0.0445 -0.1638 4 2,441,864,919,040 2,787,715,898,880 562,540,035,200 42.1584% 48.1294% 9.7122% -0.0597 0.0356 -0.1259 5 2,510,828,003,328 2,709,937,753,088 571,355,096,704 43.3490% 46.7866% 9.8644% -0.0344 0.0110 -0.1122 6 2,609,779,693,056 2,562,217,828,352 620,123,331,712 45.0574% 44.2363% 10.7063% 0.0082 -0.0303 -0.0364 7 2,801,721,069,056 2,369,605,165,568 620,794,618,496 48.3712% 40.9108% 10.7179% 0.0746 -0.0951 -0.0354 8 3,123,172,254,720 2,113,348,414,464 555,600,183,936 53.9210% 36.4866% 9.5923% 0.1743 -0.1926 -0.1367 9 3,240,895,371,776 1,993,736,233,472 557,489,247,872 55.9535% 34.4215% 9.6250% 0.2153 -0.2325 -0.1338 0 9,633,645,025,280 11,472,680,607,744 2,062,157,779,456 41.5808% 49.5185% 8.9007% -0.0794 0.0546 -0.1989

# Baccarat: Conditions for Positive Expectation on Side Wagers

In simulating different conditions of a Baccarat shoe, the following instances were observed:

1. Wager refers to the wager type studied – Pairs, Wins on Natural 9s (WN9) and Wins on Natural 8s (WN8).
2. Win % Probability indicates the percentage probability of that result occurring.
3. Expectation, based on 11:1 for Pairs and 8:1 for Wins on Natural 8s and 9s, shows the expectation (player’s edge) of the respective wagers with the state of the shoe on the right.
4. 1 – K indicates how many cards of that value have been dealt.
 Wager Win % Probability Expectation 1 2 3 4 5 6 7 8 9 0 J Q K Pairs 8.66% 3.9% 5 23 23 23 23 23 23 23 23 23 23 23 23 Pairs 25.02% 200.2% 5 5 30 30 30 30 30 30 30 30 30 30 30 WN9 14.27% 28.4% 25 25 25 25 25 25 25 25 5 5 5 5 5 WN8 13.21% 18.9% 25 25 25 25 25 25 25 5 25 5 5 5 5

While sufficient randomization would have occurred with the 26-card cut at the end of the shoe as well as with standard burn-card procedures; this table shows that while only under specific circumstances, it IS possible for the expectation of a side wager to turn against the House and towards the player.

These 4 examples are just some of many possible states.

In the first Pair example, we see a modest 3.9% expectation for the Player, meaning that the Player is expected to win 3.9 cents on the dollar. As a means of comparison, the 2nd Pair example shows an extreme expectation of 2.002 dollars for the player per dollar wagered.

Food for thought and perhaps further study.

Good luck.

# Concepts 13: Baccarat Vs. Non-Commission Baccarat – Why does a Banker Win on 6 Pay Half?

Why does a Banker win on 6 pay half?

This table shows the Probability and House Edge for Baccarat (where Banker wins pay 0.95:1). Notice the House Edge on Banker (in bold):

 Wager Permutations Probability Break-Even House Edge Player 2,230,518,282,592,260 0.4462466093 1.02768 0.012351 Banker 2,292,252,566,437,890 0.4585974226 0.97307 0.010579 Tie 475,627,426,473,216 0.09516 9.50906 0.143596 Total 4,998,398,275,503,360

The House Edge means, theoretically in the long-term, for every dollar wagered, a player is expected to lose 1.05 cents.

This is a table with the House Edge on Baccarat, comparing what the House Edge would be if Banker were paid half on wins of 1 to 9:

 Banker Win On: Permutations Probability Banker Win on Any Other Result Player Win Difference House Edge 1 24,291,119,898,624 0.004859781 2,267,961,446,539,260 2,230,518,282,592,260 –   49,588,723,896,320.0 -0.009920923 2 44,681,581,871,104 0.00893918 2,247,570,984,566,780 2,230,518,282,592,260 –   39,393,492,910,080.0 -0.007881223 3 72,927,778,568,192 0.01459023 2,219,324,787,869,700 2,230,518,282,592,260 –   25,270,394,561,536.0 -0.005055698 4 163,359,790,133,248 0.032682428 2,128,892,776,304,640 2,230,518,282,592,260 19,945,611,220,992.0 0.003990401 5 216,715,928,915,968 0.043357075 2,075,536,637,521,920 2,230,518,282,592,260 46,623,680,612,352.0 0.009327724 6 269,232,304,455,680 0.053863716 2,023,020,261,982,210 2,230,518,282,592,260 72,881,868,382,208.0 0.014581045 7 384,279,324,919,808 0.076880493 1,907,973,241,518,080 2,230,518,282,592,260 130,405,378,614,272.0 0.026089433 8 529,914,458,673,152 0.106016854 1,762,338,107,764,740 2,230,518,282,592,260 203,222,945,490,944.0 0.040657614 9 586,850,279,002,112 0.117407667 1,705,402,287,435,780 2,230,518,282,592,260 231,690,855,655,424.0 0.04635302

Notice that on Banker wins on 1 – 3, if the House were to pay half, there would be a long-term negative edge for the House.

For wins on 4 and 5, the edge is below that of normal Baccarat. At wins on 6, that is where the House Edge comes closest to that of normal Baccarat.

If the House were to pay half on a Banker win that best profited the House, then the obvious choice would be to pay half on Banker wins on 9, which gives a House Edge 4 times that of normal Baccarat.

Do realize, that these numbers are based on an 8-deck shoe, before any cards have been dealt. Once cards are removed from the shoe, the probabilities change dynamically.

Good luck.

# Baccarat Probability Calculator on Android

Friends,

We are pleased to present the eXcelpunks Baccarat Probability Calculator on Android.

This application determines, based on all card permutations possible, the probability of occurrence of the following wagers:

1. Player
2. Banker
3. Tie
4. Pair
5. Natural wins on 8 and 9

Based on user input of the cards dealt from the shoe as well as the number of coups played, this application gives a report of the following on a card-by-card basis:

1. Probability of occurrence of that result
2. Change in probability from coup to coup
4. Confidence level of that result occurring based on a statistical confidence level of 95%

Do understand that this in no way guarantees or predicts the outcome of the coup.

These are mathematical and statistical analyses and should be treated as such.

Good luck.

# Baccarat Analysis for Players

1. This analysis spreadsheet is meant for Baccarat.
2. This spreadsheet computes all the possible permutations of a Player, Banker, Tie or Pair result depending on the:
1. Number of decks in the shoe
2. Coups dealt and;
3. The value and number of cards dealt
4. A recommendation is also given on where to wager.
3. The memory requirements for this spreadsheet are high, so keep that in mind especially for games with a faster pace (Min. 8GB RAM, though 16GB of RAM is recommended).
4. This system is a mathematical analysis of Baccarat and is used at your own risk.