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| 正面铭文 | SUOMEN PANKKI MAKSAA TÄSTÄ SETELISTÄ SATA MARKKAA KULLASSA (Translation: Bank of Finland will pay for this banknote One Hundred Marks in gold) |
| 背面描述 | A vignette of a Finnish church rendered in black occupies the centre of the note, flanked on either side by large bold numerals '100'. The top border carries bilingual text in Finnish and Swedish, while smaller text panels in Finnish at left and Swedish at right contain the statutory monetary law citation. |
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Finland declared independence in December 1917, and the civil war that immediately followed — lasting from January to May 1918 — meant the Bank of Finland was issuing currency while the country was actively at war with itself. The White government retained control of the bank throughout, and notes issued during this period circulated primarily in White-held territory. Red Guard forces in the south issued their own competing scrip.
Pick 40 belongs to the first independent Finnish issue series, printed before the bank could establish stable domestic production arrangements. Hoarding during the conflict years was significant, and genuinely circulated examples with honest wear are rarer than the survival numbers suggest.