Exhibit 99.14

MBNA MASTER CREDIT CARD TRUST II SERIES 1996-B

KEY PERFORMANCE FACTORS
January 31, 1997



Expected B Maturity 4/17/06


Blended Coupon 5.7884%



Excess Protection Level
3 Month Average 4.83%
January, 1997 3.72%
December, 1996 5.42%
November, 1996 5.34%


Cash Yield 17.09%


Investor Charge Offs 4.81%


Base Rate 8.56%


Over 35 Day Delinquency 4.60%


Seller's Interest 13.97%


Total Payment Rate 12.21%


Total Principal Balance $23,234,782,634.76


Investor Participation Amount $500,000,000.00


Seller Participation Amount $3,245,155,116.27