Filed pursuant to
                                                                  Rule 424(b)(2)
                                                       Registration No. 33-59791


                                    CITICORP
                               U.S. $7,000,000,000
                    Global Medium-Term Senior Notes, Series C
                               U.S. $1,000,000,000
                 Global Medium-Term Subordinated Notes, Series C
                Due From 9 Months to 60 Years From Date of Issue

     Pricing Supplement, dated November 9, 1995 (To Prospectus Supplement, dated
August 7, 1995; to Prospectus, dated August 7, 1995)

                              DESCRIPTION OF NOTES

     The terms of the  Subordinated  Notes set forth in this Pricing  Supplement
supplement  and modify,  to the extent  applicable,  the  description of general
terms and provisions of Citicorp's Global Medium-Term Subordinated Notes, Series
C,  set  forth  in  the  accompanying   Prospectus  and  Prospectus  Supplement.
Capitalized  terms not defined  herein shall have the meanings  assigned to such
terms in the accompanying Prospectus and Prospectus Supplement.

     Interest  rates  offered by Citicorp  with  respect to the Notes may differ
depending  upon,  among other things,  the aggregate  principal  amount of Notes
purchased in any single transaction.


SUMMARY OF TERMS:

Title of Notes:            7.02% Subordinated Fixed-Rate Notes Due November 15,
                           2010
                           (the "Notes").
Aggregate
Principal Amount:          $25,000,000.00.

Price to Public:           Offered at varying prices relating to prevailing
                           market prices at the time of resale.

Issue Date:                November 15, 1995.

Stated Maturity:           November 15, 2010.

Interest Rate:             7.02% per annum.

Interest Payment Dates:    Monthly on the 15th day of each month, commencing on
                           December 15, 1995, and at Stated Maturity.

Regular Record Dates:      The first day of the month in which each Interest
                           Payment Date occurs.

Sinking Fund:              None.

Redemption:                The Notes are  subject  to  redemption,  in whole but
                           not in part, at the option of Citicorp, on not more
                           than 60 or less than 30 days' notice, on any Interest
                           Payment Date occurring in May or  November  on or 
                           after  November  15,  1999,  at a redemption  price
                           of 100% of  their  principal  amount  plus accrued
                           and unpaid interest to the redemption date.

Selling Agent:             Merrill Lynch & Co., as Principal.

Commission:                2.00%.


Minimum Denomination:      $1,000.