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| 正面描述 | Dated 22.1.1909. Printed in black and brown. A pair of dragons appears as a central vignette at upper centre, flanking the denomination. Guilloche underprint with ornamental border typical of early Chinese commercial bank issues. |
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| 背面描述 | Dragons vignette at upper centre, mirroring the obverse design, printed in black and brown with guilloche patterning across the field. |
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The Ningpo Commercial Bank (寧波商業銀行) was one of the earliest Chinese-owned modern commercial banks, founded in 1908 in Shanghai by a consortium of Ningbo merchants — the same tight-knit trading network that had dominated Chinese coastal finance for generations. This note, issued in the bank's first full year of operation, reflects the transitional moment when private Chinese banks were beginning to issue their own currency in direct competition with foreign treaty-port banks.
Toppan Printing Company's Shanghai facility handled production, placing the entire job within China rather than routing it to London or New York as many contemporaries did. The bank collapsed during the financial turbulence of the 1930s.