Public Class frmTextImBild
 
    Dim pl As New Panel With _
        {.Parent = Me, .Height = 400, .Dock = DockStyle.Top, .AutoScroll = True}
 
    Dim WithEvents pb As New PictureBox With _
        {.Parent = pl, .SizeMode = PictureBoxSizeMode.AutoSize, .BorderStyle = _
        BorderStyle.Fixed3D}
 
    Dim WithEvents tb As New TextBox With _
        {.Parent = Me, .Height = 100, .Dock = DockStyle.Bottom, .Multiline = _
        True}
 
    Dim bmp_picture, bmp_text As Bitmap
 
    Dim textposition As Point
 
    Private Sub frmTextImBild_Load(sender As System.Object, _
                         e As System.EventArgs) Handles MyBase.Load
 
        Me.MinimumSize = New Size(410, 580)
 
        bmp_picture = New Bitmap("C:\daten\ks.jpg") 'Hier eine Bilddatei angeben
 
        bmp_text = New Bitmap(bmp_picture.Width, bmp_picture.Height)
 
        Using g As Graphics = Graphics.FromImage(bmp_text)
            g.Clear(Color.Transparent)
        End Using
 
        pb.BackgroundImageLayout = ImageLayout.None
        pb.BackgroundImage = bmp_picture
        pb.Image = bmp_text
 
        textposition = New Point(20, 20)
 
    End Sub
 
 
    Private Sub tb_TextChanged(sender As Object, _
        e As System.EventArgs) Handles tb.TextChanged
 
        pb.Invalidate()
    End Sub
 
    Private Sub pb_Paint(sender As Object, _
        e As System.Windows.Forms.PaintEventArgs) Handles pb.Paint
 
        Using br As New SolidBrush(tb.ForeColor)
            e.Graphics.DrawString(tb.Text, tb.Font, br, textposition)
        End Using
 
    End Sub
End Class