10 Shillings Bank of New Zealand, Without text on back

The Bank of New Zealand was a private institution when this note was issued — it did not come under government ownership until 1945. The "Without text on back" designation distinguishes this from later printings of the same Bradbury Wilkinson plate series that added a back overprint, making the two varieties superficially similar but catalogued separately.

Bradbury Wilkinson's New Zealand work from this period is generally well-executed intaglio, and the 1920 dating places this note in the post-WWI adjustment years when New Zealand's trading banks were still issuing their own currency alongside government notes — a dual system that ran until the Reserve Bank Act of 1933 ended private note issue entirely.