Exhibit 99.5

MBNA MASTER CREDIT CARD TRUST II SERIES 1995-A

KEY PERFORMANCE FACTORS
March 31, 1997



Expected B Maturity 9/15/04


Blended Coupon 5.7538%


Excess Protection Level
3 Month Average 4.93%
March, 1997 5.77%
February, 1997 5.31%
January, 1997 3.71%


Cash Yield 17.84%


Investor Charge Offs 4.50%


Base Rate 7.56%


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 $575,000,000.00


Seller Participation Amount $3,239,523,725.50