Exhibit 99.24

MBNA MASTER CREDIT CARD TRUST II SERIES 1997-B

KEY PERFORMANCE FACTORS
April 30, 1997



Expected B Maturity 3/15/12


Blended Coupon 5.7538%



Excess Protection Level
3 Month Average 3.47%
April, 1997 3.47%
March, 1997 N/A
February, 1997 N/A


Cash Yield 16.70%


Investor Charge Offs 4.31%


Base Rate 8.92%


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 $1,000,000,000.00


Seller Participation Amount $5,443,222,666.19


* For the purposes of calculating the Base Rate and Excess Protection
Level, a Coupon of 6.92% (64/360) was used. The Base Rate was
calculated using a 64 day monthly period, 2/27/97-4/30/97.