This example illustrates the mechanics of a common punto banco deal. It is not a forecast or a suggested choice. Assume the table follows the usual card values and drawing rules; a specific table’s written rules take precedence if they differ.
The initial Player cards are 2 and 3. Their values add to 5, so the Player total is 5. Banker receives a 4 and a 3, giving 7. Neither hand has an initial natural 8 or 9. Under the common Player rule, a total from zero through five draws, so Player takes a third card. Suppose it is a 6. The arithmetic is 2 + 3 + 6 = 11; discard the tens digit, leaving a final Player total of 1.
Banker began at 7. In the usual procedure Banker stands on 7, so Banker takes no third card. The final comparison is therefore Banker 7 against Player 1. Banker has the higher total in this illustrative deal. Notice the sequence: calculate each two-card total, check whether a natural ends the draw, apply Player’s fixed rule, and then apply Banker’s rule. The person observing the deal does not select the 6 or choose to stand.
A second arithmetic check
Imagine instead that a hand contains 9 and a king. The king contributes zero, so that hand totals 9 and is commonly a natural. Another hand containing 8 and 7 totals 15, which becomes 5. The natural rule is considered before ordinary third-card decisions; one should not continue applying a draw chart as if the 9 were a 19-point total.
The worked numbers help catch common reading errors. Baccarat totals use only the units digit, so an 11 becomes 1 and a 15 becomes 5. Face cards do not add ten. The names Player and Banker identify sides of the deal; they do not mean one side is controlled by a person making strategic choices.
A single completed hand cannot establish how likely a future result is. It also does not show whether a particular table’s commission, tie settlement, side wagers, or dealing procedure matches another table. For those questions, read the full rules and payout terms for the specific variant, and distinguish those documented terms from general descriptions. An example is useful for learning arithmetic, not for inferring a pattern, recovering a loss, or promising an outcome.