Exhibit 99.14

MBNA MASTER CREDIT CARD TRUST II SERIES 1996-B

KEY PERFORMANCE FACTORS
April 30, 1997



Expected B Maturity 4/17/06


Blended Coupon 5.9902%



Excess Protection Level
3 Month Average 4.93%
April, 1997 3.69%
March, 1997 5.78%
February, 1997 5.32%


Cash Yield 16.23%


Investor Charge Offs 4.55%


Base Rate 7.99%


Over 35 Day Delinquency 4.27%


Seller's Interest 20.02%


Total Payment Rate 12.21%


Total Principal Balance $27,182,850,184.68


Investor Participation Amount $500,000,000.00


Seller Participation Amount $5,443,222,666.19