Bet Player, Banker, or Tie — the punto banco tableau does the rest
Bet Player, Banker, or Tie — then deal the punto banco tableau.
Baccarat pays the classic casino table odds, so the house edge is the table's (Banker 1.06%, Player 1.24%, Tie 14.36%) — a deliberate deviation from the arcade's usual ~1% edge. Banker wins pay a 5% commission. On a Tie, Player & Banker bets are returned.