Exhibit 99.5

MBNA MASTER CREDIT CARD TRUST II SERIES 1995-A

KEY PERFORMANCE FACTORS
January 31, 1997



Expected B Maturity 9/15/04


Blended Coupon 5.8007%


Excess Protection Level
3 Month Average 4.82%
January, 1997 3.71%
December, 1996 5.41%
November, 1996 5.33%


Cash Yield 17.09%


Investor Charge Offs 4.81%


Base Rate 8.57%


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 $575,000,000.00


Seller Participation Amount $3,245,155,116.27