<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED
FROM THE CURRENT REPORT ON FORM 10-K FOR THE YEAR ENDED DECEMBER 31,
1996 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS AND ACCOMPANYING DISCLOSURES.
</LEGEND>
<CIK> 0000020405
<NAME> CITICORP 1996
<MULTIPLIER> 1,000,000
       
<S>                                         <C>
<PERIOD-TYPE>                               12-MOS
<FISCAL-YEAR-END>                           DEC-31-1996
<PERIOD-START>                              JAN-01-1996
<PERIOD-END>                                DEC-31-1996
<CASH>                                            6,905
<INT-BEARING-DEPOSITS>                           11,648
<FED-FUNDS-SOLD>                                 11,133<F1>
<TRADING-ASSETS>                                 30,785
<INVESTMENTS-HELD-FOR-SALE>                      26,062
<INVESTMENTS-CARRYING>                                0
<INVESTMENTS-MARKET>                                  0
<LOANS>                                         174,612
<ALLOWANCE>                                       5,503
<TOTAL-ASSETS>                                  281,018
<DEPOSITS>                                      184,955
<SHORT-TERM>                                     18,191<F2>
<LIABILITIES-OTHER>                               8,201
<LONG-TERM>                                      18,850
<COMMON>                                            506
<PREFERRED-MANDATORY>                                 0
<PREFERRED>                                       2,078
<OTHER-SE>                                       18,138
<TOTAL-LIABILITIES-AND-EQUITY>                  281,018
<INTEREST-LOAN>                                  18,509
<INTEREST-INVEST>                                 1,770
<INTEREST-OTHER>                                  3,070
<INTEREST-TOTAL>                                 23,349
<INTEREST-DEPOSIT>                                8,974
<INTEREST-EXPENSE>                               12,409
<INTEREST-INCOME-NET>                            10,940
<LOAN-LOSSES>                                     1,926
<SECURITIES-GAINS>                                  210
<EXPENSE-OTHER>                                   4,110
<INCOME-PRETAX>                                   6,073
<INCOME-PRE-EXTRAORDINARY>                        3,788
<EXTRAORDINARY>                                       0
<CHANGES>                                             0
<NET-INCOME>                                      3,788
<EPS-PRIMARY>                                      7.73<F3>
<EPS-DILUTED>                                      7.43<F3>
<YIELD-ACTUAL>                                     4.73<F4>
<LOANS-NON>                                       3,092<F5>
<LOANS-PAST>                                      1,118<F6>
<LOANS-TROUBLED>                                    321
<LOANS-PROBLEM>                                       0
<ALLOWANCE-OPEN>                                  5,368
<CHARGE-OFFS>                                       847
<RECOVERIES>                                        712
<ALLOWANCE-CLOSE>                                 5,503<F7>
<ALLOWANCE-DOMESTIC>                                  0<F8>
<ALLOWANCE-FOREIGN>                                   0<F9>
<ALLOWANCE-UNALLOCATED>                               0<F10>

<FN>
<F1>  Includes Securities Purchased Under Resale Agreements.
<F2>  Purchased Funds and Other Borrowings.
<F3>  Restated to reflect the Corporation's adoption of Statement
      of Financial Accounting Standards No. 128, "Earnings per Share".
<F4>  Taxable Equivalent Basis.
<F5>  Includes  $905MM of  cash-basis  commercial  loans and $2,187MM of
      consumer loans on which accrual of interest has been suspended.
<F6>  Accruing loans 90 or more days delinquent.
<F7>  Allowance  activity for the fiscal year of 1996 includes  $65MM in
      other changes, principally foreign exchange.
<F8>  No portion of  Citicorp's  credit loss  allowance  is  specifically
      allocated to any individual loan or group of loans, however, $1,807MM
      of the allowance  at  December  31,  1996 was  attributed  to  operations
      outside the U.S. (see Note 11 to the 1996 Annual Report).
<F9>  See Footnote F8 above.
<F10> See Footnote F8 above.
</FN>
        

</TABLE>