Face:

Citadel of Hue; denomination;

Text:

BANQUE DE L'INDOCHINE = Bank of Indochina;
L'ARTICLE 139 DU CODE PÉNAL PUNIT DES TRAVAUX FORCÉS CEUX QUI AURONT CONTREFAIT OU FALSIFIÉ LES BILLETS DE BANQUES AUTORISÉES PAR LA LOI.
= Article 139 of Penal Code punishes with the forced labour those who counterfeits or falsifies the bills of the banks authorized by the Law;
L'INSPECTEUR GÉNÉRAL = Inspector General
[signature: Paul Gannay];
LE DIRECTEUR DE LA SUCCURSALE DE SAIGON = Director of Saigon Branch
[signature: Edmond Bruno];
LE CAISSIER DE LA SUCCURSALE = Cashier of the Branch
[hand-signed] (on P-65) or [printed signature];
VINGT PIASTRES = Twenty piastres;
TRAN-TANLOC DEL & SC. [designer and engraver: Trần Tấn Lộc]; IDEO. HANOI [printer];

Back:

Sitting Buddha statue; denomination;

Text:

東方滙理銀行 = Bank of Indochina;
貳拾元 = ๒໐ ຫຼຽນ^(*) = ២០ រៀល = 20 piastres;
^(*) error: Khmer or Thai character for "2" instead of the Lao character, should be ໒໐ ຫຼຽນ;
GIẤY HAI CHỤC ĐỒNG VÀNG = Banknote twenty piastres gold;
TRAN-TANLOC DEL & SC. [designer and engraver: Trần Tấn Lộc]; IDEO. HANOI [printer];

Watermark:

lines or NONE (on P-65)