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Last Updated: June 20, 2017

# Banker Streak

## Introduction

Banker Streak is a side bet in baccarat that pays if there is a run of at least four Banker wins in a row. The bet may only be placed after a Player or Tie win. The win depends on how many consecutive Banker wins occurred after the making of the bet. A Player or Tie win ends the streak.

Banker Streak debuted at the Orleans casino in Las Vegas in May 2017.

## Rules

As usual when writing about baccarat, I capitalize Player when referring to the bet and use lower case when referring to the person playing the game.

1. The side bet is based on conventional baccarat rules.
2. The side bet may be made after any Player win, Tie win, or ten consecutive Banker wins.
3. Starting with the hand after bets have been made, the dealer shall track the number of consecutive Banker wins.
4. Any Player or Tie win shall end the current streak.
5. The player shall win if the number of consecutive Banker wins is at least four. The win shall depend on the specific number from 4 to 10 and the pay tables below.
6. After ten Banker wins, players shall be paid the top award for 10 and the bet shall be over.

According to literature provided to me by eTable Games, the game owner, there are four pay tables available, all shown below. Wins are on a "to one" basis. The Orleans uses pay table 2.

### Banker Streak Pay Table

Banker
Wins
Pay
Tbl 1
Pay
Tbl 2
Pay
Tbl 3
Pay
Tbl 4
10 or More 250 250 200 200
9 150 100 100 100
8 60 60 60 60
7 40 40 40 40
6 25 25 25 20
5 15 15 15 15
4 10 10 10 10
3 or Less Loss Loss Loss Loss

## Analysis

The following four tables present my analysis of the four different pay tables.

### Pay Table 1 Analysis

Banker
Wins
Pays Probability Return
10 or more 250 0.000411 0.102862
9 150 0.000486 0.072861
8 60 0.001059 0.063551
7 40 0.002310 0.092385
6 25 0.005036 0.125907
5 15 0.010982 0.164729
4 10 0.023947 0.239468
3 or less -1 0.955769 -0.955769
Total   1.000000 -0.094006

### Pay Table 2 Analysis

Banker
Wins
Pays Probability Return
10 or more 250 0.000411 0.102862
9 100 0.000486 0.048574
8 60 0.001059 0.063551
7 40 0.002310 0.092385
6 25 0.005036 0.125907
5 15 0.010982 0.164729
4 10 0.023947 0.239468
3 or less -1 0.955769 -0.955769
Total   1.000000 -0.118293

### Pay Table 3 Analysis

Banker
Wins
Pays Probability Return
10 or more 200 0.000411 0.082290
9 100 0.000486 0.048574
8 60 0.001059 0.063551
7 40 0.002310 0.092385
6 25 0.005036 0.125907
5 15 0.010982 0.164729
4 10 0.023947 0.239468
3 or less -1 0.955769 -0.955769
Total   1.000000 -0.138865

### Pay Table 4 Analysis

Banker
Wins
Pays Probability Return
10 or more 200 0.000411 0.082290
9 100 0.000486 0.048574
8 60 0.001059 0.063551
7 40 0.002310 0.092385
6 20 0.005036 0.100726
5 15 0.010982 0.164729
4 10 0.023947 0.239468
3 or less -1 0.955769 -0.955769
Total   1.000000 -0.164047

The following table summarizes the house edge for the four pay tables above.

### Pay Table Summary

Pay
Table
House
Edge
1 9.40%
2 11.83%
3 13.89%
4 16.40%

Another way to achieve similar results would be to make a bet on the Banker and parlay the winnings after the first three wins. After the fourth Banker win, pocket some of the winnings to ensure you win at least as much as the pay table offers and bet the rest. If you carefully did this, and assuming the dealer let you bet non-round amounts, then you could achieve greater wins for 10 Banker wins than offered by this side bet. The following table compares the top award under the side bet to what you could have under this betting system.

### Betting System Comparison

e>
Pay
Table
Banker Streak
Top Award
System Above
Top Award
1 250 361.25
2 250 358.75
3 200 359.75
4 200 375.91

Before my critics start claiming that I'm endorsing a betting system, I'm not. I am just arguing that you can achieve a superior result following a betting system based on the Banker bet than the Banker Streak side bets award.

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