Exhibit 99.1

MBNA MASTER CREDIT CARD TRUST II SERIES 1994-A

KEY PERFORMANCE FACTORS
October 31, 1996



Expected B Maturity 9/15/99


Blended Coupon 5.5870%



Excess Protection Level
3 Month Average 5.41%
October, 1996 5.24%
September, 1996 5.32%
August, 1996 5.68%


Cash Yield 16.74%


Investor Charge Offs 3.73%


Base Rate 7.77%


Over 35 Day Delinquency 4.26%


Seller's Interest 13.91%


Total Payment Rate 12.45%


Total Principal Balance $ 21,339,637,968.33


Investor Participation Amount $ 760,000,000.00


Seller Participation Amount $ 2,967,710,449.84