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| 正面描述 | Brown and grey toned note with an intricate guilloche underprint across the entire field. At centre-left, the denomination title "ZWANZIG KARBOWANEZ" is printed in large bold letterpress type, below which appears the issuing authority text and date "ROWNO, den 10. März 1942" followed by "ZENTRALNOTENBANK UKRAINE" with a facsimile signature and an eagle stamp. To the right, a portrait vignette in intaglio shows a male figure wearing a wide-brimmed hat set within a rectangular frame, with the numeral "20" at each upper corner and a red serial number panel at lower right. |
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| 背面铭文 | ZENTRALNOTENBANK UKRAINE ZWANZIG KARBOWANEZ GELDFÄLSCHUNG WIRD MIT ZUCHTHAUS BESTRAFT ФАЛЬШУВАННЯ ГРОШОВИХ ЗНАКІВ КАРАЄТЬСЯ ТЮРМОЮ ДВАДЦЯТЬ КАРБОВАНЦІВ ЦЕНТРАЛЬНИЙ ЕМІСІЙНИЙ БАНК УКРАЇНА |
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The Zentralnotenbank Ukraine was established by German occupation authorities in 1942 as the sole bank of issue for the Reichskommissariat Ukraine — a civilian-administered territory carved out under Nazi occupation policy. The karbowanez was pegged to the Reichsmark at 10:1, a rate designed to extract resources and labour from the occupied population rather than stabilise any genuine local economy.
Printed at the Reichsdruckerei in Berlin, the series was produced under wartime conditions for a territory the Reich expected to hold permanently. That expectation collapsed by 1944.