Exhibit 99.25

MBNA MASTER CREDIT CARD TRUST II

SERIES 1997-J

KEY PERFORMANCE FACTORS
May 31, 2000



Expected B Maturity 9/15/04


Blended Coupon 6.6918%


Excess Protection Level
3 Month Average 5.71%
May, 2000 5.68%
April, 2000 5.50%
March, 2000 5.94%


Cash Yield 19.29%


Investor Charge Offs 4.66%


Base Rate 8.95%


Over 30 Day Delinquency 4.70%


Seller's Interest 9.50%


Total Payment Rate 14.38%


Total Principal Balance $52,496,626,963.52


Investor Participation Amount $750,000,000.00


Seller Participation Amount $4,987,826,445.03