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