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This question already has an answer here:

How would I recreate this effect using blending modes in Photoshop?

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marked as duplicate by Cai, Ryan Nov 23 '16 at 13:32

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One of the simplest methods would be as follows:

  1. Create a base layer and fill it with your desired flat colour.
  2. Place your image on the layer above.
  3. If the image is not already black and white then go to Image > Adjustments > Desaturate to remove the colour.
  4. Set the image layer blend mode to MULTIPLY in the layers palette.
  5. Place your white text on top of the image.

Done.

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