05:28:44 PM EXHIBIT 99. 18


MBNA MASTER CREDIT CARD TRUST II SERIES 1996-G

KEY PERFORMANCE FACTORS
AUGUST, 1996



Expected B Maturity 08/15/06


Blended Coupon 5.6859%


Excess Protection Level
3 Month Average 3.24%
August, 1996 3.24%*
July, 1996 N/A
June, 1996 N/A


Cash Yield 17.27%


Investor Charge Offs 4.18%


Base Rate 9.85%


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 $500,000,000.00


Seller Participation Amount $2,029,454,014.31



* For the purposes of calculating the Base Rate and Excess Protection
Level, a Coupon of 7.85% (44/360) was used. The Base Rate
was calculated using a 44 day monthly period, 7/17/96 - 8/31/96.