NATIONSBANK CORP
424B2, 1996-12-12
NATIONAL COMMERCIAL BANKS
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NationsBank Corporation   
Charlotte, NC  28255      
Tel 704 386-5000          

Pricing Supplement No. 0163 Dated December 10, 1996    Rule 424(b)(2)      
(To Prospectus dated July 12, 1996 and                 File number:  333-7229
Prospectus Supplement dated November 8, 1996)           


Senior Medium-Term Notes, Series F                           
Due Nine Months or More From Date of Issue                   


Principal Amount:                                    $  15,000,000.00
Issue Price:                            100.000%     $  15,000,000.00
Commission or Discount:                   0.000%     $           0.00
Proceeds to Company:                    100.000%     $  15,000,000.00

Agent:                            HSBC Securities, Inc., as Agent      


Original Issue Date:              December 23, 1996    
Stated Maturity Date:             December 23, 2004    


Cusip #:                          63858R-EH-0    
Form:                             Book entry only         


Interest Rate:                    Floating                    


Base rate:                        LIBOR Telerate Page 3750          
Index maturity:                   90 Days                           

Spread:                           + 40.0 bps      


Initial Interest Rate:            To be determined on December 19, 1996
                                                                  

Interest Reset Period:            Quarterly, commencing on March 23, 1997
                                                             
Interest Reset Dates:             23rd of March, June, September, and 
                                  December                        

Interest Determination Date:      Two London Banking Days preceding the
                                  Reset Date                     

Interest Payment Dates:           23rd of March, June, September, and 
                                  December, commencing on March 23, 1997

Maximum Interest Rate:            In no event shall the Interest Rate so  
                                  determined exceed 9.5%.                 


May the Notes be redeemed by the company prior to maturity?       No           

May the notes be repaid prior to maturity at the option 
of the holder?                                                    No          

Discount Note?                                                    No  




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