Exhibit 99.14

MBNA MASTER CREDIT CARD TRUST II SERIES 1996-B

KEY PERFORMANCE FACTORS
June 30, 1997



Expected B Maturity 4/17/06


Blended Coupon 5.9885%



Excess Protection Level
3 Month Average 4.27%
June, 1997 4.78%
May, 1997 4.36%
April, 1997 3.69%


Cash Yield 17.16%


Investor Charge Offs 4.60%


Base Rate 7.79%


Over 35 Day Delinquency 4.57%


Seller's Interest 10.08%


Total Payment Rate 12.14%


Total Principal Balance $27,184,721,330.37


Investor Participation Amount $500,000,000.00


Seller Participation Amount $2,741,483,811.88