Exhibit 99.47 MBNA MASTER CREDIT CARD TRUST II SERIES 2000-F KEY PERFORMANCE FACTORS January 31, 2001 Expected B Maturity 6/15/2005 Blended Coupon 6.7239% Excess Protection Level 3 Month Average 4.41% January, 2001 6.33% December, 2000 0.41% November, 2000 6.50% Cash Yield19.78% Investor Charge Offs 4.73% Base Rate 8.72% Over 30 Day Delinquency 4.88% Seller's Interest11.58% Total Payment Rate14.47% Total Principal Balance$57,905,967,832.59 Investor Participation Amount$882,400,000.00 Seller Participation Amount$6,705,277,271.10