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Last Updated: November 28, 2018

# Cow Cow Baccarat Side bets

## Introduction

Cow Cow is a pair of side bets used in the live dealer baccarat game by SA Gaming. To win, the player must pick the correct side, Player or Banker, and the win or loss depends on the total points of the winning side.

## Rules

1. The side bet is based on standard baccarat, which I assume the reader is already familiar with.
2. There are two Cow Cow bets, one on the Player and the other on the Banker.
3. For each Cow Cow bet to win, the chosen side must win in the base game.
4. When the player makes a Cow Cow bet, he should choose carefully his bet, as he can lose up to nine times the "wager" he places on the table.
5. Both Cow Cow bets win and lose according to the total points of the winning side.
6. Except for a win with nine points, if the player chose the correct side, then he will win at odds equal to the winning number of points. In the event of a win with nine points, the player must pay a 5% commission, equating to a win of 8.45 to 1.
7. If the player chooses the wrong side, then he must pay an amount equal to the produce of his initial wager and the total points of the winning side.
8. A tie is a push.

Here are some examples:

• Player bets \$1 on the Player Cow Cow, the final score is Player 7 Banker 6. The player will win \$7.
• Player bets \$1 on the Player Cow Cow, the final score is Player 7 Banker 8. The player will lose \$8.
• Player bets \$1 on the Banker Cow Cow, the final score is Player 5 Banker 9. The player will win \$8.45.

## Analysis

The following table shows the number of combinations, probability of each event, and contribution to the return for all possible outcomes on the Banker Cow Cow bet. The lower right cell shows that the ratio of the expected loss to the base wager is 7.69%. I don't think I can equate this to the "house edge" because the player can lose much more than the base wager. I can say the average amount the player will win or lose per bet is 6.308123 times his base wager. The ratio of the expected loss to expected amount changing hands is 1.22%.

### Banker Cow Cow

Event Pays Combinations Probability Return
Banker win of 9 8.45 586,850,279,002,112 0.117408 0.992095
Banker win of 8 8 529,914,458,673,152 0.106017 0.848135
Banker win of 7 7 384,279,324,919,808 0.076880 0.538163
Banker win of 6 6 269,232,304,455,680 0.053864 0.323182
Banker win of 5 5 216,715,928,915,968 0.043357 0.216785
Banker win of 4 4 163,359,790,133,248 0.032682 0.130730
Banker win of 3 3 72,927,778,568,192 0.014590 0.043771
Banker win of 2 2 44,681,581,871,104 0.008939 0.017878
Banker win of 1 1 24,291,119,898,624 0.004860 0.004860
Tie 0 475,627,426,473,216 0.095156 0.000000
Player win of 1 -1 24,639,193,538,560 0.004929 -0.004929
Player win of 2 -2 44,328,525,111,296 0.008869 -0.017737
Player win of 3 -3 62,946,423,310,336 0.012593 -0.037780
Player win of 4 -4 86,165,771,096,064 0.017239 -0.068955
Player win of 5 -5 122,838,277,197,824 0.024576 -0.122878
Player win of 6 -6 312,658,895,192,064 0.062552 -0.375311
Player win of 7 -7 408,043,979,470,848 0.081635 -0.571445
Player win of 8 -8 555,823,197,134,848 0.111200 -0.889602
Player win of 9 -9 613,074,020,540,416 0.122654 -1.103887
Total   4,998,398,275,503,360 1.000000 -0.076924

The following table shows the number of combinations, probability of each event, and contribution to the return for all possible outcomes on the Player Cow Cow bet. The lower right cell shows that the ratio of the expected loss to the base wager is 5.51%. I don't think I can equate this to the "house edge" because the player can lose much more than the base wager. I can say the average amount the player will win or lose per bet is 6.305237 times his base wager. The ratio of the expected loss to expected amount changing hands is 0.87%.

### Player Cow Cow

Event Pays Combinations Probability Return
Player win of 9 8.45 613,074,020,540,416 0.122654 1.036427
Player win of 8 8 555,823,197,134,848 0.111200 0.889602
Player win of 7 7 408,043,979,470,848 0.081635 0.571445
Player win of 6 6 312,658,895,192,064 0.062552 0.375311
Player win of 5 5 122,838,277,197,824 0.024576 0.122878
Player win of 4 4 86,165,771,096,064 0.017239 0.068955
Player win of 3 3 62,946,423,310,336 0.012593 0.037780
Player win of 2 2 44,328,525,111,296 0.008869 0.017737
Player win of 1 1 24,639,193,538,560 0.004929 0.004929
Tie 0 475,627,426,473,216 0.095156 0.000000
Banker win of 1 -1 24,291,119,898,624 0.004860 -0.004860
Banker win of 2 -2 44,681,581,871,104 0.008939 -0.017878
Banker win of 3 -3 72,927,778,568,192 0.014590 -0.043771
Banker win of 4 -4 163,359,790,133,248 0.032682 -0.130730
Banker win of 5 -5 216,715,928,915,968 0.043357 -0.216785
Banker win of 6 -6 269,232,304,455,680 0.053864 -0.323182
Banker win of 7 -7 384,279,324,919,808 0.076880 -0.538163
Banker win of 8 -8 529,914,458,673,152 0.106017 -0.848135
Banker win of 9 -9 586,850,279,002,112 0.117408 -1.056669
Total   4,998,398,275,503,360 1.000000 -0.055110

I was a bit surprised the Player Cow Cow bet seemed to offer the better odds. In fact, here are the average final totals of both sides in baccarat:

• Player: 5.120654
• Banker: 5.108655

Quite interesting, considering the Banker has the better chance of winning. The way I would explain it is the Player side, which must act first, is trying to maximize final points. The Banker side, with positional advantage, is looking only to beat the Player. This is why the Banker will sometimes stand on a 3 and other times hit on a 6.

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