Baccarat is a game of chance. The maximum hand total in a baccarat hand is nine. Then, players with a higher total must subtract ten and drop the first numeral from their total. The rules of baccarat apply to both the player and the dealer. The easiest method to choose depends on the totals of the banker and the player. If both totals are the same, they are considered a tie. In a tie, all bets made by the players are returned. Game of chance A baccarat game of chance involves two cards, one for the player and one for the banker. The pips on a baccarat hand add up to nine, with aces counting as one and face cards as zero. A hand with a face card of 8 or 9 is the closest to nine. The banker receives 5% of winnings. Baccarat is a simple game of chance with easy rules. The origin of baccarat is unknown. However, many believe it is derived from pai gow, a Chinese game where players used tiles instead of playing cards. While baccarat was introduced to the US in the late 1800s, it has remained popular in Asia. This makes it the oldest game of chance. It has been said that the game is a mix of chance and skill. While the New York Times makes this claim, other definitions emphasize the randomness of luck.