Exhibit 99.1

MBNA MASTER CREDIT CARD TRUST II SERIES 1994-A

KEY PERFORMANCE FACTORS
March 31, 1997



Expected B Maturity 9/15/99


Blended Coupon 5.7060%



Excess Protection Level
3 Month Average 5.00%
March, 1997 5.81%
February, 1997 5.39%
January, 1997 3.81%


Cash Yield 17.84%


Investor Charge Offs 4.50%


Base Rate 7.52%


Over 35 Day Delinquency 4.55%


Seller's Interest 12.97%


Total Payment Rate 12.55%


Total Principal Balance $ 24,979,151,243.99


Investor Participation Amount $ 760,000,000.00


Seller Participation Amount $ 3,239,523,725.50