Baccarat is a comparing card game played between two hands, the "player" and the "banker". Each baccarat coup (round of play) has three possible outcomes: "player" (player has the higher score), "banker", and "tie".
In baccarat, cards have a point value:
cards two through nine are worth face value (in points);
tens, jacks, queens and kings have no point value (i.e. are worth zero);
aces are worth 1 point;
jokers are not used.
Hands are valued according to the rightmost digit of the sum of their constituent cards. For example, a hand consisting of 2 and 3 is worth 5, but a hand consisting of 6 and 7 is worth 3 (i.e., the 3 being the rightmost digit in the combined points total of 13).The highest possible hand value in baccarat is therefore nine.
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Hope this helps a little at least. Good luck !