If the banker’s total is 5, and the player’s third card was 4 by means of 7, then they take another card. If the banker’s total is 4, and the player’s third card was a 2 through 7, then they take an additional card. If the banker’s total is 3, then they draw an extra card (unless the player’s third card was an 8). In other words, the Banker has a larger possibility of winning the game. A game of possibility amongst two players need to be 50%-50%, but in Baccarat the Banker's winning probabilities are just over 50%.
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