10:47:23 AM EXHIBIT 99. 11


MBNA MASTER CREDIT CARD TRUST II SERIES 1995-I

KEY PERFORMANCE FACTORS
AUGUST, 1996



Expected B Maturity 11/15/00


Blended Coupon 5.6172%


Excess Protection Level
3 Month Average 5.25%
August, 1996 5.71%
July, 1996 4.60%
June, 1996 5.43%


Cash Yield 17.70%


Investor Charge Offs 4.00%


Base Rate 7.99%


Over 35 Day Delinquency 4.35%


Seller's Interest 11.65%


Total Payment Rate 11.58%


Total Principal Balance $17,417,329,014.31


Investor Participation Amount $750,000,000.00


Seller Participation Amount $2,029,454,014.31