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| 正面描述 | Central vignette displays the bank's arms at centre, flanked by the bank seal at both left and right, with the denomination rendered in underprint at centre. The layout follows the formal commercial bank note style typical of early twentieth-century British colonial issues, with letterpress text bearing the full bank title and promise-to-pay legend. |
|---|---|
| 正面铭文 | THE NATIONAL BANK OF NEW ZEALAND LIMITED INCORPORATED UNDER THE COMPANIES ACTS AND THE NEW ZEALAND ACT 1. 1873 WELLINGTON WE PROMISE TO PAY THE BEARER ON DEMAND TWENTY POUNDS STERLING FOR THE NATIONAL BANK OF NEW ZEALAND LIMITED TWENTY |
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The National Bank of New Zealand Limited was a privately chartered institution incorporated in London in 1873, and its banknotes occupied an unusual legal position — they circulated as valid currency in New Zealand despite the bank being a British registered company. Perkins, Bacon & Petch had by the 1920s a long relationship with colonial and dominion-era issuers, and their intaglio work was considered difficult to counterfeit in markets where sophisticated forgery infrastructure was scarce.
The £20 denomination was rarely encountered in everyday commerce. High-value private bank notes of this period were predominantly used for interbank settlement and large commercial transactions, meaning surviving examples with genuine circulation wear are the exception.