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20 Đồng

发行方	Ngân hàng Quốc gia Việt Nam
年份	1948
类型	Standard circulation banknote
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正面描述	Brown monochrome note with a central text panel bearing the denomination inscription 'TIN PHIEU / HAI MUOI DONG' in large bold lettering, framed by ornate guilloche scroll borders. A circular seal with Vietnamese characters appears at upper left, and the numeral '20' is set within a decorative cartouche at lower right. Two signature lines appear below the central text, attributed to representatives of the Central Government and the Central Region Resistance Committee respectively.
正面铭文	VIET NAM DAN CHU CONG HOA TIN PHIEU HAI MUOI DONG ĐẠI DIỆN CHÍNH PHỦ TRUNG ƯƠNG ĐẠI DIỆN UBHC TRUNG BỘ 20
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备注	Pick 48 belongs to the first emission of the Ngân hàng Quốc gia Việt Nam, established in 1951 — which makes a 1948 date worth scrutinizing. The Democratic Republic of Vietnam issued currency through the Bộ Tài chính (Ministry of Finance) before the national bank formally existed, and some catalog attributions conflate the two issuing authorities. The actual 1948 notes were produced under wartime conditions during the French Indochina War, with printing quality varying considerably depending on which regional facility handled production. Survivors in any collectible state are uncommon; wartime paper, tropical humidity, and the DRV's own currency reforms in 1951 and 1959 removed most examples from circulation permanently.