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| 正面描述 | The obverse is dominated by the central vignette of the Royal Charter arms of the Chartered Bank, flanked by "$100" denomination panels at upper left and right within ornate guilloche borders. The issuer's full title, "THE CHARTERED BANK OF INDIA, AUSTRALIA & CHINA," is inscribed in bold letterpress across the centre, below which the promise-to-pay text reads "One Hundred Dollars" in cursive script. Chinese characters run along all four margins, the place of issue "HONGKONG" appears at lower centre, and the date "8th September 1910" is printed at upper right alongside the serial number. |
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| 正面铭文 | THE CHARTERED BANK OF INDIA, AUSTRALIA & CHINA Promise to pay Bearer on demand at its Office here One Hundred Dollars or the equivalent in the Currency of the Island value received BY ORDER OF THE COURT OF DIRECTORS INCORPORATED BY ROYAL CHARTER HONGKONG $100 伍佰壹 貳佰壹 印度支那金山中華理銀行 |
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The Chartered Bank of India, Australia and China issued a Hong Kong dollar series in this period primarily to serve the trading houses and merchants operating along the treaty port network. The 100-dollar denomination was essentially a commercial instrument — not something passing through ordinary hands — used in large remittance transactions and inter-firm settlements rather than retail trade.
Pick 39 is among the scarcer pieces from this issuer. The Chartered Bank's Hong Kong notes of this era were printed by Waterlow & Sons in London, with sheets shipped out for signature and issue at the Hong Kong branch. Surviving examples almost always show heavy use or cancellation, reflecting genuine commercial passage rather than reserve holding.