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50 Centavos Oro Legal
| Issuer | Banco del Ruiz, Manizales |
|---|---|
| Year | 1905 |
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| Value | Log in to see details |
| Currency | Peso (1871-1907) |
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| Obverse description | Brown and olive note enclosed by an elaborate guilloche border with corner numerals '50'. The central oval medallion, inscribed 'BANCO DEL RUIZ / MANIZALES', frames a mountain landscape with a volcanic peak. The bank title and mortgage bond legends — including 'SECCIÓN HIPOTECARIA' and 'CÉDULA HIPOTECARIA AL 2% DE INTERÉS ANUAL' — are arranged above and below the vignette, flanked by two text blocks detailing bond terms, with signature lines at lower left and right. |
|---|---|
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| Reverse description | Log in to see details |
| Reverse lettering | BANCO DEL RUIZ CONDICIONES: 1a. EL CAPITAL Y LOS INTERESES DE ESTA CÉDULA ESTÁN GARANTIZADOS POR LOS CRÉDITOS ACTIVOS DE LA SECCIÓN HIPOTECARIA Y POR EL CAPITAL DEL BANCO. 2a. LOS INTERESES SE PAGARÁN AL PORTADOR Y SERÁN EXIGIBLES EL 30 DE JUNIO DE CADA AÑO. 3a. ESTA CÉDULA ES AMORTIZABLE POR SORTEOS ANUALES EN EL CURSO DE DIEZ AÑOS. 4a. EL CAPITAL DE ESTA CÉDULA SE PAGARÁ AL PORTADOR EL DIA MANIZALES EL CAJERO 50 CINCUENTA CENTAVOS 50 AMERICAN BANK NOTE COMPANY |
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| Comments |
Banco del Ruiz was one of several regional Colombian banks chartered under the 1880s free banking legislation that briefly allowed private institutions to issue their own currency. By 1905, that era was effectively over — the government's drive toward a centralized monetary system had been accelerating since the late 1890s, and most private bank concessions were being wound down or absorbed. This note was issued right at the edge of that cliff.
ABNC's involvement was common for Colombian private banks of this period, with plates often shared or adapted across multiple regional issuers. Worth checking whether the vignette plate here was reused from another Colombian series.