Exhibit 99.19

MBNA MASTER CREDIT CARD TRUST II

SERIES 1997-F

KEY PERFORMANCE FACTORS
December 31, 2000



Expected B Maturity 6/17/02


Blended Coupon 6.6785%



Excess Protection Level
3 Month Average 4.45%
December, 2000 0.43%
November, 2000 6.55%
October, 2000 6.35%


Cash Yield 19.79%


Investor Charge Offs 10.15%


Base Rate 9.22%


Over 30 Day Delinquency 4.72%


Seller's Interest 10.47%


Total Payment Rate 13.35%


Total Principal Balance $57,190,978,436.47


Investor Participation Amount $706,000,000.00


Seller Participation Amount $5,990,287,874.98