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 30, 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:         6.60% Subordinated Fixed-Rate Notes Due December 15,
                        2005 (the "Notes").
Aggregate
Principal Amount:       $25,000,000.00.

Price to Public:        Varying prices related to prevailing market prices.

Issue Date:             December 7, 1995.

Stated Maturity:        December 15, 2005.

Interest Rate:          6.60% per annum.

Interest Payment Dates: Monthly on the 15th day of each month, commencing on
                        January 15, 1996, 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 June or December on or after December 15,
                        1998, at a redemption price of 100% of their principal
                        amount plus accrued and unpaid interest to the
                        redemption date.

Underwriting Discount:  Merrill Lynch & Co., as Principal.

Agent's Commission:     1.50%.


Minimum Denomination:   $1,000.