Exhibit 99.5

MBNA MASTER CREDIT CARD TRUST II SERIES 1995-A

KEY PERFORMANCE FACTORS
April 30, 1997



Expected B Maturity 9/15/04


Blended Coupon 6.0038%


Excess Protection Level
3 Month Average 4.92%
April, 1997 3.68%
March, 1997 5.77%
February, 1997 5.31%


Cash Yield 16.23%


Investor Charge Offs 4.55%


Base Rate 8.00%


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 $575,000,000.00


Seller Participation Amount $5,443,222,666.19