Exhibit 99.19

MBNA MASTER CREDIT CARD TRUST II

SERIES 1997-I

KEY PERFORMANCE FACTORS
April 30, 2001



Expected B Maturity 8/16/04


Blended Coupon 6.3929%



Excess Protection Level
3 Month Average 7.78%
April, 2001 7.62%
March, 2001 8.20%
February, 2001 7.53%


Cash Yield19.61%


Investor Charge Offs 4.98%


Base Rate 7.02%


Over 30 Day Delinquency 4.89%


Seller's Interest 9.33%


Total Payment Rate13.70%


Total Principal Balance$58,171,313,434.78


Investor Participation Amount$750,000,000.00


Seller Participation Amount$5,425,622,873.29