Face:

Ho Chi Minh; coat of arms of Vietnam Socialist Republuc; denomination;

Text:

NGÂN HÀNG NHÀ NƯỚC VIỆT NAM = State Bank of Vietnam;
HAI MƯƠI ĐỒNG = Twenty dong;

Back:

tractor and dam; date; denomination;

Text:

HAI MƯƠI ĐỒNG = Twenty dong;

No watermark