@Dave M: very interesting pieces. Thanks for posting.
The Banque d'Indochine was a French colonial banknote issuing bank. Originally, they had offices in Paris and French colonies in Asia only. From 1888, they ventured into French colonies outside Asia also. The following year saw the opening of offices in China, followed by Hong Kong in 1894. In 1908, they got themselves an office in Djibouti (Côte française des Somalis). As Japanese pressure on French Indochina increased, they opened short-lived offices in Japan.
In 1936, Italy invaded and eventually captured Ethiopia. This may have been an important reason why the colonial government in Djibouti chose to support the Vichy government. The allies reacted by blocking the port of Djibouti, which caused a major famine. In December 1942, Djibouti changed sides and the port was re-opened.
It is clear from this timeline that "Banque de l'Indochine" was the issuer and the addition Djibouti was added only to make clear that the note, dated January 1943, was issued by their Djibouti office, without the permission of their Paris HQ but with the authority of the Free French government - hence the Lorraine cross over the N of FRANCS. I presume that during the famine, money had disappeared, so that when the colony joined the allies, it was in dire need of new banknotes and BIC was able to have them produced and secured.
As for the Morlon brass coins, they were replaced by an aluminium equivalent in 1941. There would have been plenty left in drawers and sofas, but they would no longer have circulated much. They were officially withdrawn in September 1949, having become virtually worthless through inflation. However, during the occupation they could be mortally dangerous if found with the counterpunch "croix de Lorraine", as a hard battle developed between the resistance and Vichy loyalists towards the end of the war. The counterpunch is of course not official, so we will never know when they were applied.