Exhibit 99.24

MBNA MASTER CREDIT CARD TRUST II SERIES 1997-B

KEY PERFORMANCE FACTORS
May 31, 1997



Expected B Maturity 3/15/12


Blended Coupon 5.9210%



Excess Protection Level
3 Month Average 3.95%
May, 1997 4.43%
April, 1997 3.47%
March, 1997 N/A


Cash Yield 17.28%


Investor Charge Offs 4.53%


Base Rate 8.32%


Over 35 Day Delinquency 4.38%


Seller's Interest 15.43%


Total Payment Rate 12.75%


Total Principal Balance $27,132,480,390.99


Investor Participation Amount $1,000,000,000.00


Seller Participation Amount $4,186,442,872.50